Our client’s stock is trading at $50. We are pricing a convertible bond with a $1,000 par value and a 20% conversion premium. What is the conversion price and conversion ratio? If the stock drops to $40 at maturity, what will the investor do?

客户的股票目前交易在50美元。我们正在为他们定价一笔面值1000美元、转换溢价（Conversion Premium）为20%的可转债。转换价格和转换比率分别是多少？如果到期时股价跌到了40美元，投资者会怎么做？