金融互换的一道题，感觉题目有问题呀 Company X is based in the United Kingdom an

金融互换的一道题，感觉题目有问题呀

Company X is based in the United Kingdom and would like to borrow $50 million at a fixed rate of interest for five years in U.S. funds. Because the company is not well known in the United States, this has proved to be impossible. However, the company has been quoted 12% per annum on fixed-rate five-year sterling funds. Company Y is based in the United States and would like to borrow the equivalent of $50 million in sterling funds for five years at a fixed rate of interest. It has been unable to get a quote but has been offered U.S. dollar funds at 10.5% per annum. Five-year government bonds currently yield 9.5% per annum in the United States and 10.5% in the United Kingdom. Suggest an appropriate currency swap that will net the financial intermediary 0.5% per annum.

X和Y两个公司 分别都只能取得一种资金，而且利率只有一种……12%和10.5%…并没有机会拿到10.5%和9.5%的可能啊…
这里面是不是没有比较优势？
请大神详解

如果有解请帮解出，并说明为什么。不要搬答案那套，那样没法解答我的疑惑。

真的没人？

比较优势在于，每个公司都有在本国获取对方需求的货币的贷款。看题目公司只要能借到所求货币的贷款，他就可以支付该货币的利息，可以是在货币所在国做生意了。在互换协议中， 利息率支付可以设计为， 12+0.5， 9+0.5。

我是来看评论的