To discourage moral hazard the interest rate should be at a penalty rate and, reflecting the rising risk, increase with the amount borrowed.
为了阻止道德风险，其利率应当是惩罚性的，而且随着借债数额的上升而提高，以体现风险的上升。
Where there is any interest that cannot be paid on time, compound interest shall be calculated at a penalty interest rate.
对不能按时支付的利息，按罚息利率计收复利。
Where there is any interest that cannot be paid on time, compound interest shall be calculated at a penalty interest rate.
对不能按时支付的利息，按罚息利率计收复利。
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