The different credit policies of state - owned commercial Banks, city commercial Banks and rural credit cooperatives under the floating loan rate policy adopted in 2004 are interesting.

2004年的贷款利率浮动政策对国有银行、城市商业银行和农村信用社在信贷市场上的行为塑造作用是值得研究的。

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They can convert the floating rate into fixed rate as the loan disburses.

可以在贷款支付时将浮动利率转换为固定利率。

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In the case of a floating rate loan, you should also note that your monthly repayment may increase substantially when interest rates go up.

若您的贷款为浮息利率贷款，您必须注意，当利率升高的时候，您的每月还款额也相应增加。

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So too with so-called PLUS loans, for which Mr. Obama favors the 10-year Treasury rate plus 3.93% on a fixed-rate loan with no cap, while Mr. Kline wants Uncle Sugar to charge a floating 10-year Treasury rate plus 4.5%, while capping rates at 10.5%.

WSJ: Review & Outlook: Obama's Student-Loan Props

In the last class are the Van Kampen Senior Loan, Eaton Vance Prime Rate Reserves and Franklin Floating Rate funds.

FORBES: Fixed Income for Bears