资本充足率、资产质量、管理、盈利、流动性、市场风险敏感度；
Capital adequacy , asset quality , management , earnings , liquidity , sensitivity to market risk .
当然，在过去几年中，对收益率的追求已使信贷息差荡然无存，也降低了市场对风险的敏感度。
Certainly over the past few years the search for yield has collapsed credit spreads and desensitised the market to risk .
市场风险敏感度市场风险敏感度市场风险敏感度