UC知道帮忙把这段文字翻译成英文，急求英文高手帮助！（奖积分）
来源：百度知道 编辑：UC知道 时间：2024/05/30 19:36:18
目前，个人消费信贷业务已成为商业银行贷款业务的主要组成部分。然而，由于我国个人消费信贷业务发展时间短、速度快，这一特点使其存在很大的风险，因此，本文就其中的个人消费信贷的信用风险和商业银行管理风险这两方面问题进行了分析，在信用风险方面，本文主要从信用治理问题对我国个人消费信贷的影响，以及我国个人信用体系与国外个人信用体系的比较两方面进行了分析。在商业银行管理风险方面，本文则就我国商业银行自身管理体制的缺失和相关法律政策对商业银行管理的影响两方面进行了分析。在对风险进行分析的基础上，做出了相关解决对策的分析，主要从解决我国个人消费信贷中信用治理问题的对策，完善的银行风险管理控制机制的对策两方面来分析，并简要说明了未来我国在个人消费信贷业务方面的构建。
要翻得不那么直接，要稍微专业点！谢谢~我做毕业论文的摘要用！很重要
Keyword: Personal consumptive credit, the risk, the countermeasure
At present, the credit line of personal consumption has already become the main component of business of commercial bank loans. However, because the credit line of personal consumption of our country develops time short, fast, characteristic this make it have loud risk very, so this text among them personal credit risks and commercial bank management risk these two issues of consumptive credit analyze, in credit risks, this text mainly manages the impact on personal consumptive credit of our country of the question from credit, and of our country personal credit system two have been analyzed compared with foreign personal credit system. In commercial bank management risk, this text has been analyzed on disappearance and two respects of impact on commercial bank management of relevant legal policies of one's own management system of commercial bank of our country. On the basis that analyzed to the risk