BenchmarkA standard from which a comparison is made. FundingA process where money is obtained, usually from a bank, in order to be used in the future. Funding RiskA risk caused by a change in interest rates resulting in the reduction of spread income between deposits and loans. Liability ManagementManagement of the bank's liabilities to reduce the cost of funding to the bank. NegotiationA discussion held with the intent of reaching an agreement usually to the benefit of two or more parties.　 基准用来作比较的一种标准。 筹资通常向银行贷款以便将来使用的一种方法。 筹资风险 由利率变动而导致存款和贷款之间利差减少的风险。 负债管理 用于降低银行筹资成本的银行负债管理。 谈判 通常为两方或多方的利益达成协议所进行的讨论。