求翻译：The net interest margin (NIM) includes a funding spread, a credit spread, and an interest-rate risk spread from those three activities, respectively. For the latter, the critical factor is the duration mismatch of assets and liabilities, not the maturity mismatch. Broadly defined, market risk is the risk that changes in financial market prices and rates will reduce the value of the bank's positions. Typically, interest-rate risk is one component of market risk, along with equity risk, currency risk, or commodity risk.是什么意思？

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