本类别包含了商业运营过程中的除销售成本外的最主要开支，包括市场营销，薪金管理及科技方面的开支。

This category includes most other costs in running a business, including marketing, management salaries, and technology expenses.

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因此，我国商业银行必须对利率市场化进程中面临的利率风险及加强管理找出应对策略。

So the commercial Banks of our country must find out countermeasures to control and manage the interest rate risk prior to interest rate marketization.

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