Question

请英语超历害的帮忙翻译下

中国银行业应对美国次贷危机的对策

摘 要

2007年初以来，世界出现了一场美国次级抵押贷款危机，这场危机后来演化成为全球信贷紧缩。这场危机以惊人的速度蔓延，对西方金融机构和全球金融市场的冲击大于20世纪80年代末的美国储贷机构危机，也不亚于11年前的亚洲金融危机。它与美国房地产的衰退结合和发酵，是美国经济的发展进一步放缓，并对世界经济产生一定的负面影响。
在“蝴蝶效应”的作用下, 美国次贷危机引起了全球范围内金融市场的剧烈动荡。经济金融全球化以及日益激烈的金融市场竞争为现代商业银行风险管理提出了更高的要求。尽管此次美国次级房贷风波未殃及我国，但对日益开放的中国金融业以及资产投机气氛渐浓的股市楼市来说，亦具有借鉴作用，中国更应该考虑的是如何从美国次贷危机中吸取教训，未雨绸缪，有备无患。该文剖析了美国次贷危机的发生及其影响，并深入分析了美国次贷危机对国内银行经营管理的启示，并且探讨了我国银行业应对美国次贷危机的对策。
【关键词】次贷危机 次级抵押贷款 商业银行 风险管理 金融监管

The policy of China's banking against the subprime crisis

Abstract
since at the beginning of 2007, the world presented an American overlying mortgage loan crisis, this crisis afterward evolved into the whole world contraction of credit. This crisis by the astonishing speed spread, was bigger than the late-1980s's US heir apparent to the West financial organ and the whole world money market's impact on loan the organization crisis, was also not inferior to 11 year ago the financial crisis in Asia. It unifies with the American real estate's decline and ferments, is the American economy development further postpones, and has certain negative influence to the world economics.
In “butterfly effect” under the function, the American loan crisis has caused in the global scale the money market fierce turbulence. The economical financial globalization as well as the intense money market competition set a higher request day by day for the modern Commercial bank risk management. Although this American secondary room loans the disturbance not to bring disaster to our country, but to opens day by day the Chinese financial industry as well as the property congenial atmosphere gradually the thick stock market real estate market, also has profits from the function, what China should consider is how from the American loan crisis the learn lesson, provides for a rainy day, is forearmed. This article analyzed the American loan crisis's occurrence and the influence, and has analyzed the American loan crisis thoroughly to the domestic bank management and operation enlightenment, and discussed Our country Banking industry to deal with.
【Key words】subprime crisis subprime mortgage commercial bank risk management financial regulation

Answer 1

China's banking sector deal with the U.S. sub-prime crisis response

Abstract

Since the beginning of 2007 the world has witnessed a U.S. sub-prime mortgage crisis that later evolved into a global credit crunch. Crisis spreading at an alarming rate, to Western financial institutions and global financial markets, the impact is greater than the 20th century, late 80's crisis, the U.S. savings and loan institutions, but also no less than 11 years ago, the Asian financial crisis. It is combined with the U.S. housing recession and fermentation is the development of further slowdown in the U.S. economy, and the world economy have a certain negative impact.
In the "butterfly effect" under the influence of the U.S. sub-prime mortgage crisis has caused a worldwide upheaval in financial markets. Economic and financial globalization and increasingly fierce competition in the financial markets in a modern commercial bank risk management has put forward higher requirements. While the U.S. sub-prime mortgage crisis did not bring disaster to our country, but the increasingly open China's financial sector and asset speculative atmosphere is pervading the stock and property markets, this also has a reference role, and China should take into account is how the U.S. sub-prime mortgage crisis lesson, take precautions against danger. This paper analyzes the occurrence of the U.S. sub-prime crisis and its impact, and in-depth analysis of the U.S. sub-prime crisis on domestic bank management insights, and to explore China's banking industry deal with the U.S. sub-prime crisis.
Key words sub-prime mortgage crisis, subprime mortgage risk management of commercial banks in financial supervision

Answer 2

Since the beginning of 2007 the world has witnessed a U.S. sub-prime mortgage crisis that later evolved into a global credit crunch. Crisis spreading at an alarming rate, to Western financial institutions and global financial markets, the impact is greater than the 20th century, late 80's crisis, the U.S. savings and loan institutions, but also no less than 11 years ago, the Asian financial crisis. It is combined with the U.S. housing recession and fermentation is the development of further slowdown in the U.S. economy, and the world economy have a certain negative impact.
In the "butterfly effect" under the influence of the U.S. sub-prime mortgage crisis has caused a worldwide upheaval in financial markets. Economic and financial globalization and increasingly fierce competition in the financial markets in a modern commercial bank risk management has put forward higher requirements. While the U.S. sub-prime mortgage crisis did not bring disaster to our country, but the increasingly open China's financial sector and asset speculative atmosphere is pervading the stock and property markets, this also has a reference role, and China should take into account is how the U.S. sub-prime mortgage crisis lesson, take precautions against danger. This paper analyzes the occurrence of the U.S. sub-prime crisis and its impact, and in-depth analysis of the U.S. sub-prime crisis on domestic bank management insights, and to explore China's banking industry deal with the U.S. sub-prime crisis.
Key words sub-prime mortgage crisis, subprime mortgage risk management of commercial banks in financial supervision

对次贷危机的政策，中国的银行

摘要
因为在2007年初，世界上覆提出了美国抵押贷款危机，这后来成为整个世界的信贷紧缩演变的危机。这是惊人的速度蔓延的危机，是大于八十年代末的美国继承人向西方金融机构和整个世界的货币市场对信贷危机影响的组织，也没有低于11年前在亚洲金融危机。它统一与美国房地产的衰退，发酵，是美国经济的发展进一步推迟，并有一定的对世界经济的负面影响。
在“蝴蝶效应作用下”，美国信贷危机引起了全球范围的金融市场激烈动荡。在经济金融全球化以及货币市场的激烈竞争设置了更高的要求一天一天的现代商业银行风险管理。虽然这间贷款的美国中学的干扰不要把我们的国家灾难，而是日益开放的中国金融业以及财产和谐的气氛逐渐浓烈的股市房地产市场，也有从函数，利润是什么中国应该考虑的是从美国贷款危机的教训，如何学习，为未雨绸缪，则立。本文分析了美国信贷危机的发生和影响，并分析了美国贷危机深入到国内银行的管理和运作的启示，并讨论了我国银行业的处理。
【关键词】次贷危机的次级抵押贷款商业银行风险管理的金融监管