利率市场化会使商业银行为了追逐短期的利润而铤而走险，将资金贷给那些信誉

Interest rate market will make commercial banks in order to chase short-term profits and take risks, to lend money to those bad credit, high risk but high rates of business. However, in the long run, banks in order to avoid risks, reduce non-performing loans, is bound by long-term customer contact, loan commitments, credit rationing and other ways to strengthen the supervision of borrowers. In addition, they will not bring too much with those objects and the high risk to their credibility to carry out the transaction, the interest rate is too high and does not claim to them, expecting them to collaborate with long-term, for those with low credit risk high customers with high-rate loans, to compensate for the risks themselves, or provide loans to some customers demand in order to reduce the possible loss of their own in the future.

利率市场化会使商业银行为了追逐短期的利润而铤而走险，将资金贷给那些信誉差、风险大但利率高的企业。但是，从长远来看，银行为了规避风险，减少不良贷款，必然会通过建立长期客户联系、贷款承诺、信用配给等方式加强对借款人的监管。另外，他们也会与那些不会给自己带来太大风险并且信誉高的对象来进行交易，并且不会向他们要求太高的利率，以期望与他们长期进行协作，对那些信誉低、风险高的客户提供高利率的贷款，以补偿自己承担的风险，或是提供客户贷款需求量的一部分，以减少自己在未来的可能损失。

The marketization of interest rate will make commercial banks take risks in pursuit of short-term profits and lend funds to enterprises with poor reputation, high risk but high interest rate. However, in the long run, in order to avoid risks and reduce non-performing loans, banks must strengthen the supervision of borrowers by establishing long-term customer contact, loan commitment, credit rationing and other ways. In addition, they will also trade with those who will not bring too much risk to themselves and have high reputation, and will not ask for too high interest rate from them, so as to expect to cooperate with them for a long time, and provide high interest rate loans to those customers with low reputation and high risk, to compensate for their own risks, or to provide a part of the demand of customers' loans, so as to reduce self financing Possible losses in the future.