"Reasonable interest" mentioned in the first paragraph of this Article refers to interest computed at a rate not higher than normal commercial lending rates.
本条第一款所说的合理的借款利息，是指按不高于一般商业贷款利率计算的利息。
Due to increased competition and interest rate marketization deeply, commercial bank of traditional company profit space gradually narrowing wholesale business, credit risk increasing.
由于竞争的加剧和利率市场化的深入，商业银行传统的公司类批发业务获利空间逐步缩小，信贷风险不断增加。
In this paper, commercial Banks expressions of interest rate risk on the basis of the current conditions of the practical interest rate risk management strategies.
本文在商业银行利率风险表现形式分析的基础上，探析在现实国情下的切实可行的利率风险管理对策。
But China's commercial Banks remain primitive institutions, failing to allocate capital efficiently, conduct risk analysis of lenders or respond to interest rate signals.
但是中国的商业银行依然保持其原始的状态，不能有效地配置其资金、开展贷款方风险分析或者对利率信号及时作出反应。
As the degree of interest rates liberalization getting deeper and deeper, interest rate risk exposure in commercial Banks has become the theme of many finance studies.
随着利率市场化程度越来越深，商业银行利率风险暴露已成为大量经验研究的主题。
With the gradual promotion of interest rate liberalization in China, interest-rate risk has become one of the major risks of commercial banks.
随着我国利率市场化的稳步推进，利率风险将逐渐成为商业银行的主要风险之一。
To analyzed the manifestation of the our country commercial bank interest rate risk, and draw lessons from the experience of the foreign commercial bank interest rate risk management.
文章分析了我国商业银行利率风险的表现形式，并借鉴国外商业银行利率风险管理的经验。
At present, China's floating interest rates on housing loans to individuals of the system, namely, commercial Banks in accordance with market interest rates on loans annually adjusted interest rate.
目前，我国对个人住房贷款实行浮动利率制度，即商业银行每年根据市场利率情况对房贷利率进行相应的调整。
Establishing a sound loan pricing system is of Paramount importance for commercial Banks to adapt to the marketization of interest rate and enhance their power to ward off interest rate risks.
建立完善贷款定价体系对商业银行适应利率市场化、增强抵御利率风险具有重大意义。
In west commercial bank the theory of interest rate risk management generated precise system based on accumulation during decade years.
西方商业银行的利率风险管理理论，经过几十年的积累，形成了较为严谨的体系。
The forth chapter analyses the models, methods and problems in management of interest rate risk in commercial banks in China.
第四章分析了中国商业银行利率风险管理模型、方法和存在问题。
Therefore, commercial Banks of China are badly in need of a set of comprehensive management system, to monitor, measure, supervise and control the interest rate risk.
因此，切实建立一套有效地识别、衡量、监督和控制利率风险的综合管理体系，已经成为我国商业银行面临的重要课题。
Article 38 Commercial Banks shall determine loan interest rate in accordance with the upper and lower limits for loan interest rates prescribed by the People's bank of China.
第三十八条商业银行应当按照中国人民银行规定的贷款利率的上下限，确定贷款利率。
With the Ioosening of the interest rate restriction, the risk of interest rate has become a more important risk in Chinese commercial bank.
随着利率管制的放松，利率风险日益成为我国商业银行面临的重要风险。
The management on the interest rate risks of the commercial bank under the interest rate marketization in our country;
随着我国利率市场化的稳步推进，利率风险将逐渐成为商业银行的主要风险之一。
With the quickened steps of market-oriented interest rate, the loan pricing system for our commercial Banks is confronting with an increasingly serious test.
随着利率市场化进程的加快，我国商业银行的贷款定价体系面临着越来越严峻的考验。
To deal with the negative effect that brings by the liberalization of interest rate, we must strengthen the management of the commercial bank with risk management theory.
针对利率市场化带来的负面效应，必须用利率风险管理理论来加强对商业银行的管理。
Under this market mechanism, a key point of making decision for commercial banks to grant a loan for enterprises is to define a rational loan interest rate.
在这种市场机制下，商业银行向企业发放贷款时关键就是确定一个合理的贷款利率。
So western commercial Banks research and develop advanced management technology of the interest rate risk, and manage it effectively.
因此，西方商业银行纷纷研究和开发先进的利率风险管理技术，对利率风险进行了行之有效的管理。
The fifth part makes an analysis on the existent problem of the interest rate risk management in our country commercial bank.
第五部分探讨了我国商业银行利率风险管理中存在的问题。
So the commercial Banks of our country must find out countermeasures to control and manage the interest rate risk prior to interest rate marketization.
因此，我国商业银行必须对利率市场化进程中面临的利率风险及加强管理找出应对策略。
The marketing of interest rate will inevitably bring the commercial Banks the risk of option, fixing the price again, credit, market competition and the morality of operation.
推行利率市场化，必然会给商业银行带来选择权、再定价、信用、市场竞争、经营道德等风险。
The rapid increase of the risk of interest rate has increased the possibility that the commercial bank loses or goes bankrupt.
利率风险的急剧增加加大了商业银行亏损或倒闭的可能性。
Therefore, the interest rate risk management and control will become the main content of commercial banks' risk management.
因此，利率风险的管理控制将成为商业银行风险管理的主要内容。
The study on commercial bank of our country shows that, the commercial bank of our country has greater interest rate risks at present.
对我国商业银行的研究表明，目前我国商业银行存在较大的利率风险。
With the status quo of China's commercial banks, choosing the interest rate sensitive gap analysis and the duration analysis for China's commercial banks to carry out empirical analysis.
结合我国商业银行的现状，选择了利率敏感性缺口分析法及久期分析法对我国商业银行进行实证分析。
Based on the analysis of several interest rate risk measurement methods and also the reality of China, the paper analysis the models which suit to the choice of China's commercial Banks.
本文在分析几种利率风险度量方法的同时，还结合我国的实际，对我国商业银行适用的利率风险测定模型进行了选择分析。
So, it's important and urgency to study the topic about interest rate risk management of China's commercial banks.
因此，研究我国商业银行的利率风险管理这一课题显得尤为重要和紧迫。
So, it's important and urgency to study the topic about interest rate risk management of China's commercial banks.
因此，研究我国商业银行的利率风险管理这一课题显得尤为重要和紧迫。
应用推荐