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近年来，根据国际化，自由化及金融商品不断创新以及与诸如信息网络工具，国际金融市场之间快速流通，并??进一步影响到彼此在国际金融市场上现有的各种商品的价格。流通速度和国际资本的数额越来越多。因此，利率风险和汇率管理有足够的避险动机的，尤其是美国银行系统，它有众多的海外资产，包括庞大的资产具体到各自的行业。与以往相比，在美国次贷危机，美元大幅贬值，再加上包括加强投机者，信贷危机及零件有显着影响交换各自国家利率衍生市场的全球金融危机极大地威胁着投机和银行系统的要素条款赚取利润和生存的事件，而且，我们的影响后，次贷危机，美国联邦储备局（联储局）执行的救助政策，利率，这使对前稳定市场利率在内的一系列重大变化减少。由于接受存款和发放贷款的银行在国内市场的企业来说，这构成了关于国内企业赚取的利润从银行巨大的风险。因此，银行在利率波动非常重要的避险目标。因此，银行业绩都利率和汇率产生显着影响因素。银行可以有效地降低风险，甚至增加利润，如果他们进行有效的对冲策略，同时面临的利率和汇率严重的价格波动。
Resent years, under continuous innovation of internationalization, liberalization and financial commodities as well as with tools such as information internet, international financial markets circulate rapidly between each other and further affect prices of various commodities existing in international financial market. Circulation speed and amount of international capital are growing. Therefore, risk management of interest rate and exchange rate has sufficient hedge motivation specific to respective industry, with the American bank system in particular, which has huge assets including numerous overseas assets. More than ever, after the US subprime mortgage crisis, us dollar devalues substantially; together with elements including reinforcing speculation of speculators, credit crisis and global financial crisis derived thereof are significantly impacting exchange rate market of respective countries and tremendously threatening bank systems in terms of earning profits and event survival; moreover, after the impact of us subprime mortgage crisis, the Federal Reserve (the Fed) executes a series of bailout policies, inclusive of reduction of interest rate, which brings great changes to former stable interest rate market. Owing to bank's businesses of taking deposits and granting loans in domestic market, this constitutes huge risks for banks concerning earning profits from domestic businesses. Consequently, banks are important hedge objectives in terms of interest rate fluctuation. Therefore, both elements of interest rate and exchange rate exert significant influence on bank performance. Banks could reduce risk effectively and even increase profits if they conduct efficient hedge strategies while confronting severe price fluctuation of interest rate and exchange rate.
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