同业拆借利率已经下调和稳定，但银行尚未放款。
Interbank lending rates have come down and stabilized, but Banks are not yet lending.
如何在万物为一体的情况下调和不同的思想观念呢？
How to gear different thoughts and concepts to the concept that everything is integrative?
降低采购成本可能需要分担之间的价格下调和税收优惠政策。
The reduction of the purchasing cost probably needs to be Shared evenly between price reduction and tax incentives.
在贷款需求呆滞、利率下调和个人破产个案急升的情况下，银行盈利深受负面影响，边际利润持续受压。
The pressure on margins did not subside, and profitability was adversely affected by sluggish loan demand, falling interest rates and the sharp rise in the number of personal bankruptcies.
频率超过或低于声音频率的震动会分别引起音高知觉的上调和下调。
A vibration that has a higher or lower frequency than a sound, he found, tends to skew pitch perception up or down.
频率超过或低于声音频率的震动会分别引起音高知觉的上调和下调。
A vibration that has a higher or lower frequency than a sound, he found, tends to skew pitch perception up or down.
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