Question

那位亲兄弟帮忙翻译一下吧，最还要自己翻译的，不要翻译软件的。跪谢您了！

利率市场化对国有商业银行的影响及对策
利率市场化是经济市场化的必然要求，随着我国利率市场化改革的不断深化，对国内商业银行资产负债管理、风险管理，内部控制制度方面均产生了深远的影响。利率市场化改革将从根本上改变商业银行业已习惯的资金价格决定机制和变动规律，从而对商业银行外部环境和内部经营管理模式产生深层次的影响，使商业银行传统的经营机制、竞争机制和赢利模式收到冲击和挑战，整体的风险水平大幅度提高。本文通过对我国利率市场化改革的回顾，重点分析了利率市场化给国内商业银行带来新的经营压力和风险挑战，以及面临的变革和发展机遇，进而探讨了在此新形势，商业银行需要采取的应对措施。

Answer 1

Interest rate marketization of the influence of the state-owned commercial Banks and the countermeasures
Interest rate marketization is the inevitable requirement of the economic market, along with the deepening of the reform of the liberalization of interest rate, in domestic commercial bank assets and liabilities management, risk management and internal control system are has far-reaching influence. Interest rate marketization reform will fundamentally change business Banks have already used to fund the price mechanism and decided to change laws, and the commercial Banks internal and external environment management patterns produce deep influence of commercial bank management mechanism, the competition of the traditional mechanism and the profit pattern received impact and challenges, and the overall level of risk that greatly improved. Based on the review of the interest rate market-oriented reform in our country, the paper analyses the interest rate marketization to domestic commercial Banks operating pressure to bring new challenges and risks, and facing reform and development of opportunity, and then discusses the new situation, commercial Banks need to take measures.