作为经济全球化的新兴产物,离岸金融市场受到信用风险、利率风险、法律等诸多因素的影响。本文采用理论及数学方法,通过利率与风险的动态模型,试图证明利率与风险之间的关系,以期能为相关部门依据利率变化而相应调整贷款审核强度和风险监控力度的决策依据,进而促进我国离岸金融市场的发展。 As an emerging product of economic globalization, the offshore financial market is affected by many factors such as credit risk, interest rate risk and law. This paper tries to prove the relationship between interest rate and risk through the dynamic model of interest rate and risk by theoretical and mathematical methods in order to promote the decision-making basis for the relevant departments to adjust the loan audit strength and risk monitoring accordingly according to the change of interest rates, Offshore financial market development.