Loan interest rate, market interest rate, and repayment period.

1. Loan interest rate: Loan interest rate refers to the interest rate charged by banks when providing loans to customers. The level of loan interest rate directly affects the income and cost of financial assets, and then affects its amortized cost.

2. Market interest rate: Market interest rate refers to the interest rate level in the market, including the central bank's benchmark interest rate, inter-bank lending rate, etc. Changes in market interest rates will also affect the amortized cost of financial assets.

3. Repayment period: The repayment period refers to the repayment time of the loan. The amortized cost of the loan with a longer repayment period will be correspondingly higher.