多选题:根据《人民币利率管理规定》,金融机构的( )行为属于利率违规。

题目内容:
根据《人民币利率管理规定》,金融机构的( )行为属于利率违规。 A.擅自提高或降低存、贷款利率
B.变相提高或降低存、贷款利率
C.擅自或变相以高利率发行债券
D.其他违反《人民币利率管理规定》的
E.违反国家利率政策的其他行为

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