银行将不会愿意调整其资产负债表的结构，放出大量长期的、低收益的贷款。
Banks are not expected to be willing to restructure their balance sheets to take on a large number of long-term, low-yielding loans.
而流动性风险的影响因素主要有资产负债结构、中央银行政策、金融市场发育程度、信用风险和利率变动等方面。
Influencing factors of liquidity include asset and debt structure, the center bank policy, degree of money market development, credit risk and fluctuation of interest rate.
实证分析表明：通过确立目标项目，调整资产与负债结构，可以较好地实现商业银行的利率风险免疫。
Meanwhile, it is showed by demonstration that interest risk immunization can be achieved by setting target item and adjusting asset and liability structure.
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