On the Choice of Debt Repayment Approach under the Background of Interest Raise Expectation
- 经济学院－已发表论文 
银行债务偿还通常有满期偿还法、分期偿还法和偿债基金法三种方式,但三种债务偿还方式下借款人的利息负担是不一样的,企业或个人在升息预期持续的环境下,可选择适当的债务偿还方式来减小利率上升所带来的利息负担。Banks have three approaches to pay a debt: expiration repayment plan, amortization plan andsinking fund plan. According to the approach, the interest burden of the borrower is different. Therefore, under thebackground of interest raise expectation, the person or the enterprise should choose an appropriate approach to paythe debt so as to minimize the interest burden caused by the raise of the interest.