请帮忙翻译一下这段话 谢谢

For a long time, because of the planned economy system and the allocation of funds, China's commercial banks of credit risks of a lack of strict financial and scientific management control, and no strict implementation of the international banking industry generally follow the unified credit authorization system, departments, All branches of the same customer credit separately, this division of foreign currency credit, loans, discount, acceptance, guarantee, letter of credit, such as credit spread.As a result, letters of credit under a large number of advances and losses; banks can not understand and control of a single corporate customer credit risk; the risk of excessive concentration; non-performing assets ratio is too high; so that commercial banks suffered heavy losses; to the bank