Theory analysis and experimental results show that the rate of the unqualified product can be decreased and the life time can be lengthened when the aging time , set scientifically 理论分析与试验数据都表明，科学设定老化时间，对降低服务器产品的出厂不良率，提高服务器产品的使用寿命都起着关键性作用。
This paper introduces the aging theory that can be used in the production of workstation , and points out that the rate of the unqualified product is influenced by the setup of the aging time 摘要本文介绍了服务器生产过程中，老化拷机这个生产工艺过程的理论，说明了老化时间设定对产品出厂不良率水平的影响及老化时间的推算方法。
Meanwhile , default risk rate of residential mortgage begins to soar constantly too . average default risk rate of residential mortgage was about 1 % , and potential risk has already appeared gradually ( liu ping , 2002 ) 与此同时，个人住房抵押贷款的不良率也开始攀升，目前平均不良率在1左右(刘萍， 2002 ) ，潜在风险已逐渐显现。
Housing mortgage was ( i ) concentrated in a handful major cities and areas where housing prices rose strongly ; ( ii ) accompanied by a rapid growth in housing provident funds , and ( iii ) with a low ratio of non ? performing loans ( npl ) 个人购房贷款呈现以下特征：一是集中于少数重点城市和热点地区；二是个人住房公积金贷款快速增长；三是个人购房贷款的不良率较低。
Traditional methods for measuring fraction of nonconformities become inapplicable for those high quality processes since any manufacturing sample of reasonable size likely contains no defective product items 然而，由于在这些高质量制程（不良品种通常用百万分之一?衡量单位）所取出适当大小的样本中几乎没有不良品，因此常规用来衡量这些低不良率制程的方法变得没有效率且不适用。
As the housing system reform progresses during last ten years , residential mortgage loans has become the major financing measure by which chinese residents buy their houses . the amount of mortgage loans increases at a speed of 40 - 50 % or higher nowadays , but the unperformed loan rate increases significantly as well 当前许多商业银行的个人住房抵押贷款业务以年增长率40 % - 50 %或更高的速度发展,随着个人住房抵押贷款余额的快速增加,个人住房抵押贷款的不良率也开始不断攀升。
According to my opinion , firstly , the four banks must accelerate their reforms of ownership , establish good corporate governance framework and ensure the well performance of the mechanism ; secondly , the four banks must accelerate their steps on decrease the ratio of their bad assets and do great endeavors to develop the medium businesses and improve the structure of their business incomes ; thirdly , their must learn from the foreign banks and grasp the advanced measures of interest rate risks management 笔者认为，四大银行首先要加快产权改革步伐、建立良好的法人治理结构并确保公司治理机制的良好运行；其次，四大银行应该加快降低资产不良率，努力发展中间业务并改善经营收入结构；第三，它们必须向外国银行学习并掌握先进的利率风险管理方法。
