请高手把下面这段话翻译成英文吧，谢谢啊！

加入WTO以来，银行业的竞争愈演愈烈，实力雄厚的外资银行的强势进驻对我国商业银行的经营水平和盈利能力形成了极大的考验。尤其是伴随着近一年来席卷全球的金融危机，我国银行业面临着前所未有的挑战。同时，由于大部分外资银行在此次危急中损失惨重，能否抓住机遇，发展自我，提高银行竞争力，是我国商业银行能否在未来获得长足发展的的重要因素。市场经济条件下,作为经济活动重要组成部分的银行信用活动,面临着诸多风险。因此，如何认识和界定银行信用风险,并对其进行有效防范,成为提高银行竞争力，保证金融运行稳定高效、实现金融深化、促进经济发展的重要课题。本文介绍了我国商业银行信用风险的含义、特征及主要表现,探讨了我国商业银行信用风险产生的特殊历史背景和经济环境、银行自身因素以及社会大背景对商业银行信用风险的的影响，并研究如何在目前条件下减少和防范信用风险

Since has joined WTO, banking industry's competition is increasingly fierce, the powerful Foreign bank's strong trend enters and is stationed in test on our country Commercial bank's management level and profit ability has formed enormous. For the past year especially follows the financial crisis which engulfs the entire world, Our country Banking industry is facing the unprecedented challenge. At the same time, because the majority of Foreign bank critical loses seriously in this time, whether to hold the opportunity, the development, enhances the bank competitive power, is whether our country Com