Question

英文翻译汉译英

信用卡，顾名思义是以信用作为考核标准的卡片。它作为银行中间业务的一种，一直在银行零售业务中扮演着低门槛高收益的重要角色，但基于其自身先消费后还款的特点，对银行带来的风险相当于无抵押的小额贷款。所以，为了减轻乃至彻底规避客户使用信用卡所带来的信用风险。银行需要从客户申请环节就开始把关，严格审批流程，加强风险的识别。即我们常说的信用卡进件，各商业银行的信用卡进件方式大体相同，但却有些不一样的地方，这是基于商业银行自身发展状况及经营理念所决定的。本文主要以分析招商银行信用卡进件方式，并从几个方面浅谈对其自身发展产生的影响。
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Answer 1

回答和翻译如下：
信用卡，顾名思义是以信用作为考核标准的卡片。它作为银行中间业务的一种，一直在银行零售业务中扮演着低门槛高收益的重要角色，但基于其自身先消费后还款的特点，对银行带来的风险相当于无抵押的小额贷款。所以，为了减轻乃至彻底规避客户使用信用卡所带来的信用风险。银行需要从客户申请环节就开始把关，严格审批流程，加强风险的识别。即我们常说的信用卡进件，各商业银行的信用卡进件方式大体相同，但却有些不一样的地方，这是基于商业银行自身发展状况及经营理念所决定的。本文主要以分析招商银行信用卡进件方式，并从几个方面浅谈对其自身发展产生的影响。
Credit card, just as its name implies, is a card with credit as its assessment standard. It is a kind of bank intermediary business, has been in the retail banking business plays an important role in the low threshold and high income, but the repayment of its first consumer based on risk of bank is equivalent to unsecured small loans. Therefore, in order to reduce or even completely avoid the credit risk caused by the use of credit cards. Banks need to start checks from customer application process, strict examination and approval process, strengthen the risk identification. That is, we often say that credit card into pieces, commercial banks credit card into the way is roughly the same, but there are some different places, which is based on the development of commercial banks and their own business philosophy determined. This paper mainly analyzes the credit card entry mode of China Merchants Bank, and discusses its influence on its own development from several aspects.

Answer 2

Credit cards, as the name suggests is a standard for assessing credit cards. It as a banking intermediary business, has been playing an important role in low-income threshold high in retail banking, but based on its own after the first repayment of consumer characteristics of the risk caused by the equivalent of unsecured bank microfinance loans. Therefore, in order to reduce or even completely avoid the use of credit card customers brought credit risk. Banks need to start from the client application links to ensure strict approval process, strengthen the identified risks. That is, we often say that the credit card into pieces, each commercial bank credit card into pieces roughly the same way, but some do not like the place, which is based on the development of the commercial bank's own position and operating philosophy of the decision. In this paper, in order to analyze the way China Merchants Bank credit card into pieces, and from several aspects Talking about the impact of their own development.

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