您好，请问BEY与BAY,EAY与EAR 这两组的概念与区别？

1 BEY allows fixed-income securities whose payments are not annual to be compared with securities with annual yields. BEY is a calculation for restating semi-annual, quarterly or monthly discount bond or note yields into an annual yield.

2 effective annual return/yield accounts for intra-year compounding.

eg 对于n年，每年付息m期的债券, I/Y = periodic interest rate
BEY = I/Y*m
EAY = EAR = (1+I/Y)^m-1

请写清BAY/EAY/EAR的全称及出处。