在商业环境中这些有关遗传和环境的问题是Scott Shane的研究领域——俄亥俄州西储大学的一位管理学教授。

In a business context such questions of heredity and environment are the realm of Scott Shane, a professor of management at Case Western Reserve University in Ohio.

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因此，西方商业银行纷纷研究和开发先进的利率风险管理技术，对利率风险进行了行之有效的管理。

So western commercial Banks research and develop advanced management technology of the interest rate risk, and manage it effectively.

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本文是对我国商业银行零售业务中存在的风险及风险管理问题进行研究，并针对存在的问题提出解决办法和对策。

On the study of the risks and risk control problem existing in the retail services of the commercial Banks in China, this thesis puts forward some countermeasures.

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