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中文如下：

随着美国金融危机的蔓延，国内外宏观经济形势发生巨大变化。在当前形势下，商业银行必须严把信贷质量关，加强对信贷风险的管理，保证信贷资产业务的健康发展。近年来，我国商业银行存在信贷投放行业较集中、缺乏不同等级的违约概率估计和违约损失估计、抵（质）押物的评估价值相对较高且缺乏更新机制、信贷风险管理组织及方法不完善、商业银行内部信贷控制不健全、资本充足率下降， 降低了银行的抗风险能力等问题。因此，要建立更为谨慎的信贷风险文化，加快建立信贷风险内部控制制度的步伐，充分发挥内部审计在信贷风险管理中的作用，加强对企业基本情况的审查。

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关键词：论文英文 英文摘要 求助论文 美国金融危机 我国商业银行 求助 摘要 论文 英文

As the impact of the US financial crisis spreads, the macro-economic environment has changed significantly both domestically and overseas. In such an environment, commercial banks must tighten the control over credit, enhance credit risk management, and ensure the healthy development of credit assets services. In recent years, the risk resistance of Chinese commercial banks is undermined by the following issues: highly centralized services, lack of credit and loss assessment over multiple levels, over-appraisal and lack of update on mortgage values, improper management of internal control, and decrease of capital requirement. Therefore, more serious consensus of credit risk control needs to be formed, development of regulations for internal control needs to be accelerated, internal audit needs to be promoted, and more investigations on basic firm basic operations need to be conducted.

With the U.S. financial crisis spread, domestic and international macro-economic situation changed dramatically. In the current situation, commercial banks must strictly control credit quality, strengthen credit risk management, to ensure the healthy development of the business of credit assets. In recent years, Chinese commercial banks have credit industries are more concentrated, the lack of different levels of probability of default estimates and default loss estimates, arrived (quality) charge a relatively high value of property assessment and the lack of update mechanism, credit risk management organization and methods of imperfect commercial bank's internal credit control is not perfect, the capital adequacy ratio dropped to reduce the bank's anti-risk ability and so on. Therefore, to establish a more prudent credit risk culture, accelerate the establishment of credit risk the pace of internal control system, give full play to the credit risk management, internal audit's role, to strengthen the review of the basic situation of enterprises.

2# lance0108


谢谢前辈！

3# bonodark
谢谢前辈！  得多多向您学习！

2# lance0108 厉害  高人

路过，支持一下阿。