market oriented

Therefore, the process of market-oriented interest rate asset-liability management and interest rate forecasts are not significantly improve the profitability of banks, while banks in the sample also shows that interest rate forecasts and asset-liability management problems still exist.

所以说，利率市场化进程中资产负债管理和利率预测并不能显著提升银行的盈利率，同时也说明样本银行在利率预测和资产负债管理上还存在诸多问题。

It shows that Chinese market-oriented interest rate reform is effective, but it still needs to further deepen from the eventual establishment of the ultimate goal of the effective interest rate system.

这说明中国利率市场化改革是有效的，并取得了初步成果，但是距最终建立有效完善的利率体系的最终目标还需要进一步的深化改革。

And because of being unable to control interest rate at present and after a market-oriented interest rate in the future, state-owned commercial banks don't own the premises of monopoly.

同时，由于国有商业银行现在和将来实行利率市场化以后都不能够控制利率，国有商业银行现在和将来都不存在垄断的条件。

With the background of market-oriented interest rate, housing mortgage loans have to face enormous interest rate risks in forms of repricing, optionality, basic risk, and yield curve.

在利率即将实现完全市场化的背景下，住房抵押贷款所面对的利率风险主要表现在重新定价风险、内含期权风险、基准风险、收益率曲线风险等方面。

To realize market-oriented interest rate and to improve interest rate management system step by step are two important tasks as well as the only war to settle the difficult problem of low fund using efficiency and to improve competitive power of financial organs.

利率市场化，以渐进的方式改革利率管理体制，是金融体制改革的重要任务，是建立符合经济规律的资金配制机制、解决长期以来资金效益低下问题、提高金融机构竞争力与效率的必由之路。