毁约的罚金，按照银行的标准条款是这样的：三个月的利息或者利息差（Interest Rate Differential），取两者中间比较高的。
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所谓再存款是指以低的贷款利率将钱贷出，然后存入较高存款利率的账户从而获得利息差。
Re-depositing is the practice of obtaining loans at extremely low interest rates and depositing them in the issuing bank to earn a profit in higher-yielding bank accounts.
在许多国家中，来自手续费及佣金而不是来自利息差额的那部分银行收入已变得越来越重要。
Increasingly important in many countries is the part of the bank's income that comes from fees and commission rather than from the interest margin.
息差交易。例如：在利率偏低时，投资者借入短期利息债券（1.5%）同时买入长期债券（4.5%），以此赚取可观息差；
For example, when the interest rate stays low, the investor borrows short term bons with 1.5% interest rate and buy long term bonds at 4.5% so as to make good profit.
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