With regard to fixed and floating interest rates, which of the following statements are correct?
选项：

A:Borrowing at a fixed rate is better for budget execution and decision making.;
B:Floating rate is usually calculated based on the base rate.;
C:Since the interest rate is agreed at the beginning of the period, there is no risk in borrowing at a fixed interest rate. ;
D:When the market interest rate fluctuates greatly, banks prefer to lend at a fixed rate.;
E:A floating rate is an interest rate that is subject to change at any time. ;
F:The fixed interest rate is fixed for both parties, so it is a better way to contract interest rates than the floating rate.