求翻译：改革开放以来，我国利率市场化改革逐步深入，因此，根据市场情况和借款者条件自主定价就关系到银行的生死存亡，由此引发的贷款定价机制的问题就构成了商业银行在利率市场化条件下信贷经营策略中的核心环节。本文以利率市场化为背景，论述了我国商业银行贷款定价的现状以及影响贷款定价机制的因素。通过对我国商业银行贷款定价的基本情况分析，提出了我国商业银行贷款定价机制中存在的贷款定价管理、人才技术支持、地区经济差异问题，并针对这些问题提出了相应的改进措施和建议，以提高我国商业银行的盈利性和贷款价格的竞争力，确保我国商业银行在国际竞争中能够健康发展。是什么意思？

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Since the reform and opening up my interest rate market reforms, and therefore, according to the market situation and conditions of loan pricing to their own death, and the bank of the resulting loan pricing mechanism on the question posed in the bank interest rates in line with the market condition

Since the beginning of reform and opening up, gradual deepening of the reform of interest ra