What are the control methods of interest rate risk?

Generally speaking, there are two main types of interest rate risk control methods: ① traditional on-balance sheet management methods, that is, by changing the internal structure of assets and liabilities, to achieve the purpose of controlling risks; ② Off-balance sheet management method, that is, hedging the existing asset-liability positions through various financial derivatives. Loan amount: The loan amount is determined according to the total price, credit rating, total household income and comprehensive repayment ability of the house built or purchased by the borrower, and shall not exceed 60% of the total price of the house built or purchased (except pledge loan). County-level associations can formulate the maximum limit in combination with the actual situation within their respective jurisdictions.