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【多选题】
关于利率互换，正确的说法有()。A.
利率互换有助于避免利率风险，但并不能减少违约风险
B.
利率互换之所以能够降低双方的融资成本，是因为与违约风险相关的利率差额(叫做质量差额)一般在长期资本市场上大于短期货币市场上
C.
利率互换双方在长期固定利率和短期浮动利率市场上具有比较优势
D.
利率互换并不能完全避免利率风险
E.
利率互换是私人协议，政府干预极少
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