UC知道翻译，请帮忙
来源：百度知道 编辑：UC知道 时间：2024/09/24 00:44:17
1.加大了银行利率风险。利率市场化后，利率水平升高和不规则波动加大，加剧了银行脆弱性，极有可能导致银行危机的发生。由于我国长期的利率管制，利率被人为的压低，利率放开后，利率水平必然会升高。分析表明，在信贷活动中，随着实际利率的提高，偏好风险的借款人将更多地成为银行的客户，而原本厌恶风险的企业借款人也倾向于改变自己项目的性质，使之具有更高的风险和收益水平。这样就致使资产平均水平质量下降，信贷风险增大。而且，从长期看，利率变动受资金供求实时影响，会频繁波动，而利率的波动即意味着风险的存在。如何准确地预测利率变动趋势，合理确定具有竞争优势的价格水平;如何科学地分配存、贷款期限布局，保持最佳的利差水平;如何灵活地调整资产负债结构，提高备付水平，有效控制利率形成的流动性风险;如何健全监督制约机制，防止产生人情利率风险等等，这些都将使商业银行面临严峻的考验。
我花高分求手工翻译，机器的不要来！
MIR is a historical stage that China's commercial banks have to experience. It will greatly promotes the reform of China's state-owned commercial banks. After MIR, the interest rate will flunctuate from time to time, and China's commercial banks which survive under long-term control might not be able to develop new financial tools to avoid the interest rate risk. They will such serious challenges as follows:
1. The interest rate risk of banks increases. After MIR, interest rate level goes high and irregular fluctuation increases, which will exacerbates the vulnerability of banks and likely leads to a banking crisis. Since China's long-term control of interest rates, interest rates have been artificially suppressed, after the opening rate, the interest rate level will rises. Analysis shows that in credit activities, with the actual rate increases, more of the risk-prone borrowers will become banks’ customers, and those original obnoxious-risk business borrowers