各位乘客，车辆起步请拉好扶手，本车开往市民中心，前方教工路口(省电大)，下车的乘客请提前做好准备。
Dear passengers, vehicle started please pull the armrest, this vehicle to the civic center, the front faculty crossing (provincial TV university), get off passengers please prepared in advance.
所面对的困难与障碍一方面在于我国住房抵押贷款起步较晚，同时提前偿还数据不完整，很难对提前偿还模型进行定量分析；
The difficulties we faced are following: firstly, there is not enough prepayment data, it's difficult to apply a quantitative analysis on the prepayment model;
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