求翻译：We rate four independent clearinghouses in the U.S. These function not as profit-maximizing entities, but rather as member-owned quasi-public utilities with effective monopolies in their respective markets. Any change in trading volumes resulting from rising interest rates would not materially impair their creditworthiness because they can easily adjust their pricing (lower volume discounts, less rebates), and our analysis focuses much more on risk management than on financial performance.是什么意思？

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