请英语高手帮我翻译论文摘要.

Market economy is the credit economy in certain meaning, the level of a national creditworthiness can reflect economic marketization degree directly. And the credit of bank is the most important, most basic credit form in the whole social credit system. After our country joins WTO, the banking is stronger and stronger in competition, but still there are greater credit risks at present in the commercial bank of our country. This has already become very great hidden danger in economical operation of our country, has constituted great threat to economic stability and financial security of our country.

Keyword: The commercial bank, credit risks, credit is managed, the risk measures models

Market economy in a certain sense is the economy of credit, a national credit can be high or low degree of direct reflection of market-oriented economy. The bank credit and the social credit system is the most important and most basic form of credit. With China's accession to the W