Even for fixed rate bonds, it's hard to get an interest rate much above 3%.

甚至对于固定收益债券，都很难有超过3%的回报率。

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There are many types of bonds, the most common of which are fixed rate bonds and floating rate notes (FRNs).

债券有多种，最常见的有固定利率债券和浮动利率债券（FRN）。

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Fixed rate bonds pay a pre-determined coupon and FRNs pay coupons at a premium above the bank's fixed deposit rate.

固定利率债券支付预决息票，浮动利率债券根据银行存款利率贴水支付息票。

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If the Fed wants to push the Federal Funds Rate up and down it goes and buys short-term government bonds.

如果联邦希望推动,联邦资金利率上升下降,它将会去买短期的政府债券。

耶鲁公开课 - 金融市场课程节选

Well, for one thing, the rating companies who rate these bonds.

嗯，一方面来说，评级公司,为债券评级。

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Salomon Brothers Emerging Market Floating Rate Fund buys adjustable-rate bonds from emerging-market companies and countries.

FORBES: Fixed Income for Bears

One area that provides protection against rising rates is floating-rate bonds, notes Ms. Bewick.

WSJ: As Many Stocks and Bonds Get Pricey, It's Time to Play Defense

This year saw the launch of Nationwide savings accounts targeted at business customers and a range of fixed rate bonds.

BBC: Nationwide link to RBS branch sale