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Reportedly, the current minimum interest rate of individual housing loans, and developers of housing development loan interest rates higher than its nearly 1 percentage point, which makes developers tried avail oneself of loopholes, and mobilize acquaintances to buy, and through individual housing loan funds for the development of real estate, or even engage in "false mortgage."

据介绍，目前个人住房贷款的利率最低，而开发商的住房开发贷款的利率要比它高出近1个百分点，这就使开发商想方设法钻空子，动员熟人去买房，再通过个人住房贷款的资金来开发房产，甚至搞"假按揭"。

The capital cost of capital refers to each kind of expense which occurs in the fund raising process, like payment and so on outstanding share, bond release handling charges, sell on consignment the expense, the printing expense, the property appraisal expense, the certification fee, the announcement to spend and so on, the capital use cost refer to each kind of expense which in the use capital process pays, like the bond interest, the stock dividend, the bank loan interest and so on, the capital collection the cost usually is when the fund raising the disposable occurrence, the achievement plans the capital amount to reduce the item to deduct.

资本发行成本是指在筹资过程中发生的各种费用，如发行股票、债券等支付的发行手续费、承销费、印刷费、资产评估费、公证费、公告费等，资本使用成本是指使用资本过程中支付的各种费用，如债券的利息、股票的股利、银行贷款利息等，资本筹集成本通常是在筹资时一次性发生，作为筹资额的减项予以扣除。

The capital cost of capital refers to each kind of expense which occurs in the fund raising process, like payment and so on outstanding share, bond release handling charges, sell on consignment the expense, the printing expense, the property appraisal expense, the certification fee, the announcement to spend and so on, the capital use cost refer to each kind of e XP ense which in the use capital process pays, like the bond interest, the stock dividend, the bank loan interest and so on, the capital collection the cost usually is when the fund raising the disposable occurrence, the ach ie vement plans the capital amount to reduce the item to deduct.

资本发行成本是指在筹资过程中发生的各种费用，如发行股票、债券等支付的发行手续费、承销费、印刷费、资产评估费、公证费、公告费等，资本使用成本是指使用资本过程中支付的各种费用，如债券的利息、股票的股利、银行贷款利息等，资本筹集成本通常是在筹资时一次性发生，作为筹资额的减项予以扣除。

In this paper, commercial banks expressions of interest rate risk on the basis of the current conditions of the practical interest rate risk management strategies.

本文在商业银行利率风险表现形式分析的基础上，探析在现实国情下的切实可行的利率风险管理对策。

Chapter 8 reviews the theory of interest group in financial development and put out its policy implications for our financial development, that is, to restrict the negative effects of interest groups on financial development through completive competitions.

另外，结合我国的具体情况，该章对我国利益集团影响金融发展所作的政策思考归结到一点就是要继续推行全方位的开放政策，通过全面的竞争来制约利益集团对金融发展的负面影响。第九章在简要辨析信任与社会资本概念的基础上，对信任与金融发展关系的理论与实证研究进行综述。

With this higher price level constant, real negative interest rates so that some knowledge of economics knowledge will be such a low interest rate through a large number of loans to make up their own price increases in the monetary loss, which is this year's residents to purchase Housing loans increased sharply the main driving forces.

这一较高的价格水平不变，实际负利率使一些知识经济学知识将成为这样的低利率通过大量贷款来弥补自己的价格上涨在金钱上的损失，这是今年的居民购买住房贷款大幅增加的主要推动力。

On the basis of it, there is a dissertation on the redefinition of insurance interest and the realization of abstract insurable interest in the life insurance contract.

在此基础上，论述了保险利益在人寿保险合同中的重新定位和抽象性保险利益在人寿保险合同中的实现。

This text tries to optimize the physical experiment teaching of junior middle school, will demonstrate partly the experiment will be dealt with to students, improve students and study the physical interest, strengthen students' sense of participation; Will demonstrate partly the experiment changes into and divides into groups to probe into the experiment, enable students to practise physics and probe into the course, grasp the scientific research approach; Organize students to join the interest group, make the teaching aid of physical experiment, strengthen student's manipulative ability, arouse students and study physical enthusiasm; Encourage students to develop the new experiment in the experiment lesson, protect students' curiosity; Increase the interesting experiment and verify the experiment, strengthen student's perceptual knowledge to the physical phenomenon, and broaden student's outlook and thinking; Increase experiment and phenomenon involved in the exercise flexibly, utilize practice to prove the theory is derived, strengthen convincingness.

本文尝试优化初中物理实验教学，将部分演示实验交给学生处理，提高学生学习物理兴趣，增强学生的参与感；将部分演示实验改为分组探究实验，让学生能实践物理探究过程，掌握科学研究方法；组织学生参加兴趣小组，制作物理实验教具，增强学生动手能力，调动学生学习物理积极性；在实验课中鼓励学生开发新实验，保护学生的好奇心；增加趣味实验以及验证实验，加强学生对物理现象的感性认识，并且开阔学生的视野和思维；灵活增加习题中涉及到的实验和现象，利用实践证明理论推导，增强说服力。

C Where the assured has no insurable interest throughout the currency of the risk, the premium is returnable, proviede that this rule does not apply to a policy effected by way of gaming or wagering; Where the assured has a defeasible interest which is terminated during the currency of the risk, the premium is not returnable; Where the assured has over-insured under an unvalued policy, a proportionate part of the premium is returnable; Subject to the foregoing provisions, where the assured has over-insured by double insurance, a proportionate part of the several premiums is returnable; Provided that, if the policy are effected at different times, and any earlier policy has at any time borne the entire risk, or if a claim has been paid on the policy in respect of the full sum insured thereby, no premium is returnable in respect of that policy, and when the double insurance is effected knowingly by the assured no premium is returnable.

c 如果在整个风险存在期间，被保险人无保险利益，保险费可予退回，但这一规则对赌博性保险单不适用。如果被保险人的可撤销的利益于风险存在期间终止，则保险费不能退回。如被保险人不定值保险单中超额保险，保险费得按比例退还一部分。除前述条款另有规定外，若被保险人经重复保险而超额保险，几笔保险费按比例退还。但是，如果几份保险单在不同时间开始生效，任何较早订立的保险单已在任何时间承保整个保险，或保险单已就全部保险金额支付赔偿，该保险单项下的保险费不能退回；若被保险人在明知的情况下订立重复保险，保险费不予退还。

CWhere the assured has no insurable interest throughout the c urrency of the risk, the premium is returnable, proviede that this rule does not apply to a policy effected by way of gaming or wagering;Where the assured has a defeasible interest which is termina ted during the currency of the risk, the premium is not returnable; Where the assured has over-insured under an unvalued policy, a proportionate part of the premium is returnable;Subject to the foregoing provisions, where the assured has o ver-insured by double insurance, a proportionate part of the several premiums is returnable; Provided that, if the policy are effected at different times, a nd any earlier policy has at any time borne the entire risk, or if a claim has b een paid on the policy in respect of the full sum insured thereby, no premium is returna ble in respect of that policy, and when the double insurance is effected knowingly by th e assured no premium is returnable.

nbsp；如被保险人不定值保险单中超额保险，保险费得按比例退还一部分。除前述条款另有规定外，若被保险人经重复保险而超额保险，几笔保险费按比例退还。但是，如果几份保险单在不同时间开始生效，任何较早订立的保险单已在任何时间承保整个保险，或保险单已就全部保险金额支付赔偿，该保险单项下的保险费不能退回；若被保险人在明知的情况下订立重复保险，保险费不予退还。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。