Question

急！！翻译下面几段话。非常感谢，要手工翻译！！！

目前我国国有商业银行的不良资产严重偏高，尤其以四大国有银行为最。作为负有帮助国有企业脱困任务的政府附属机构，国有商业银行在过去20年中积累了大量逾期贷款。银行系统存在的风险，最明显的、突出的外部表现就是银行大量的不良资产。
国有商业银行巨额存量资产是银行经营过程中大量流量不良资产积累的结果，而不良资产的不断生成与商业银行的经营管理制度的缺陷有着直接的联系。国有商业银行自身经营机制不健全,有效的防范风险和内控机制未能及时跟进,这是不良贷款形成的一个重要因素。
目前，大多数的商业银行缺乏既懂银行业务又了解企业生产经营、既有渊博的经济金融法律知识又有较强的社会活动能力、既有较强的业务能力又有良好的政治思想素质的高素质专业人员。信贷管理人员普遍知识结构老化，对市场风险、信用风险把握不准，无法适应新形势下风险管理的要求。
我国针对金融机构特别是银行出台了一系列政策法规，随着经济的不断发展，政府部门审时夺势，制定了一系列规章制度。这应该是值得可喜的，我国法制建设又向前迈进了一大步。但在这些条文背后，执法力度却不得不让人置疑。不少地方银行地方保护思想严重，执法人员法律意识淡薄和责任心不强，导致金融法律法规缺乏强有力的保障。这阻碍了银行结构调整，对银行的资产质量和利润率都有很大的影响。
随着全球经济大环境的不断完善,中国银行业资产质量和经营能力明显提高。但是,商业银行的不良贷款却一直居高不下,始终没有形成一套行之有效的解决办法。

Answer 1

At present, China's non-performing assets of state-owned commercial banks, a serious high, particularly in the four major state-owned banks for the most. As a responsibility to help the Enterprises subsidiary bodies of government mandate, the state-owned commercial banks in the past 20 years has accumulated a large number of overdue loans. The risk of the banking system, the most obvious, highlighting the large number of external manifestation is the bad assets of banks.
Large stock of assets owned commercial banks during the banking business has accumulated a lot of traffic the result of non-performing assets, while non-performing assets of commercial banks continue to generate the defect management system is a direct link. Operating mechanism of state-owned commercial bank itself is not sound and effective internal control mechanisms to prevent risks and failed to follow up non-performing loans, which is an important factor.
Currently, most commercial banks lack not only understands but also understand the corporate banking business production and management, both broad and profound knowledge of economic and financial laws have strong social skills, ability to have both strong business and political thinking of the good quality high-quality professionals. General knowledge of credit management structure of the aging of the market risk, credit risk, not allowed to grasp, unable to adapt to the new situation of risk management requirements.
China for financial institutions, particularly banks introduced a series of policies and regulations, as the economy continues to develop, when the government wins the trial situation, developed a series of rules and regulations. This should be worthy of welcome, our legal system and a major step forward. But behind these provisions, law enforcement had to make people doubt. Protection of local banks where many thought serious, poor awareness of law enforcement officers and the legal sense of duty, led to the financial laws and regulations, lack of strong protection. This hampers the bank restructuring, the bank's asset quality and profitability have a great impact.
With the global economic environment continues to improve, the quality of banking assets and operations in China significantly improved. However, non-performing loans of commercial banks has been high, has not formed an effective solution