UC知道请帮我翻译一下，谢谢各位
来源：百度知道 编辑：UC知道 时间：2024/05/09 08:42:07
我国商业银行正处于开放和改革并举的特殊历史时期，银行面临的风险无处不在，信贷风险就是金融市场上最基本、最古老和危害最大的一类风险，也是我国商业银行所面临的最重要的风险形式之一。担保贷款作为贷款中的一类，在我国尚未成熟，在很多方面仍存在潜在的风险。针对担保贷款风险带来的问题，金融机构要在现行制度下采取相应措施进行管理，通过规章制度规范、组织机构设置和技术手段保障等一系列途径对信贷风险进行识别、评估、监测、防范、控制与缓释，以控制或减少风险，实现风险最小化、收益最大化。一方面，银行通过调整存贷款的基准利率来减小风险；另一方面，金融机构在发放担保贷款的时候要特别注意遵循一定的程序，改变传统模式实现了四个转变。从整体上看，随着市场经济的进一步发展，国有商业银行信贷资产质量持续下降，信贷风险不断上升，我国金融业要想建立按照国际惯例和市场经济规则运行的现代商业银行，担保贷款的风险管理是不容忽视的。
Guarantee loan risk a management
The our country commercial bank is ising placed in to open to raise also with reform of special history period, the bank faces of risk have no place not at, believe loan risk is a financial market the top is the most basic and the most ancient old with endanger the biggest risk, is also our country commercial bank face of one of the most important risk forms.Guaranteeing the loan is 1 type in the loan, in the our country still immaturity, Be still existing latent risk very in many ways.The problem aimed at a guarantee loan risk to bring, the financing institution wants under the current system to adopt to correspond measure to carry on a management, passing regulation system norm and organizing a series of paths, such as organization constitution and technique means guarantee...etc. to letter the loan risk carry on identify, evaluate, monitor, guarding against, controling and release slowly, with control or reduce risk, carry out a risk minimum,