问题如下：
A bank is taking floating-rate deposits and using the funds to make five-year fixed-rate loans. What risks is it taking? How can they be hedged?
选项：
解释：
The bank is taking the risk that interest rates will increase because, if that happens, it will have to pay a higher interest rate on the floating-rate deposits but will not receive a higher rate of interest on the fixed-rate assets. It can hedge its risk by entering into a swap where it is receiving floating and paying fixed.
风险明明 是存款利率上升，为什么是interest rate？
