在当前利率市场化的背景下,利率水平必定会因受到很多因素的影响如市场资金供求因素、政治经济因素等而出现波动,有着非常严重的不确定性。因此,在利率市场化的进程中,必将使商业银行面临更大的风险,甚至会对商业银行管理其负债资产、乃至未来发展产生不可估量的影响。 In the current market-oriented interest rate environment, the interest rate level will certainly fluctuate due to many factors such as market supply and demand factors, political and economic factors, and so on, with very serious uncertainties. Therefore, in the process of marketization of interest rates, commercial banks will surely face even greater risks and may even have an immeasurable impact on commercial banks in managing their debt assets and even their future development.