Question

跪求外文翻译，哪位大侠好心帮帮小弟吧```

Newly Formed Bank Subsidiaries Face Operational
Challenges
The new regulations require foreign-owned banks to comply with the same operational standards that apply to their domestic counterparts, as outlined in the Commercial
Banking Law of China:
􀂃 The loan-to-deposit ratio must not exceed 75%;
􀂃 The assets-to-current liabilities ratio must be at least 25%;
􀂃 Total loans to a single borrower must not exceed 10% of the bank's net capital.

Among these mandatory operating ratios, the loan-todeposit ratio presents a key challenge to foreign banks.Due to the previous geographic and customer restrictions,
foreign banks’ local currency deposits growth has not kept pace with their loan growth. As of year-end 2006,the aggregate loan-to-deposit ratio of foreign banks in China was an estimated 155 percent. If all the foreign banks locally incorporated their Chinese operations,they would have to attract nearly RMB 337 billion ($44
billion) in new deposits to meet this requirement, or basically double their current level of deposits. Attracting those deposits will be difficult given the small number
of outlets that foreign banks currently operate in China. For example, the four foreign banks that recently won approval to incorporate locally had only 25 business offices on average. In contrast the JSCBs, on average each operated 308 business offices.

In response to foreign banks’ requests, the CBRC granted them until year-end 2009 to comply fully with the single borrower limits and year-end 2011 to adjust fully to the loan-to-deposit ratio requirement. All other requirements under the new regulation will come into force on August 1, 2007. The foreign banks have accepted
this challenge and are gearing up their operations by opening new branches and hiring new staff to meet these requirements.
Conclusion
According to surveys by PriceWaterhouseCoopers published in 2005 and 2007, foreign bank managers who do business in China consistently cited the regulatory environment as one of the main challenges to their operations.The recently adopted changes improve the regulatory environment for foreign banks that are already significant players in China. Some banks can expand their operations in China by offering retail
credit and deposit services to local customers. On the whole, however, the cost of operating in China may continue to be too high for all except the largest global
international banks.
翻译成中文 谢谢各位大侠了 希望语句通顺点 再次拜谢了

Answer 1

新成立的银行机构面临的实际挑战：
新规定要求对外资银行同国内银行执行相同的操作标准，同等的遵守中国商业银行法：
􀂃贷存比率不得超过75% ;
􀂃 流动资产比率不得少于25%;
􀂃 对单个借贷人的放贷总额不得超过银行净资本的10%.

在上述标准中，贷存比率是外资银行面临的最核心问题。由于之前的地区和消费者的限制，外资银行在当地的现金储蓄增长未能和贷款增长保持同步。截至2006年年底，在华外资银行贷存总比率据估计为155%。如果这些外资银行想在中国继续维持的话，必须再吸收将近3370亿元人民币（约合440美元），才能满足新规定的要求，这几乎是其当前吸收储蓄量的一倍。由于外资银行在华开设的网点并不多，因此想要完成这一任务可以说是比较困难的。举例来说，目前获准吸收当地存款的四家外资银行平均仅拥有25家网点。 相较之下，合资银行则平均拥有308家网点。

考虑到这些现状，为了满足外资银行的要求，银监会批准其可在2009年底前满足单个借贷人的限制要求，而于2011年前完成调整符合要求的贷存比率。而新规定下的其他各项要求必须在2007年8月1日就生效。外资银行接受了这些挑战，目前正全力增加营业网点，雇佣职员开展工作，以满足新规定的要求。

加分吧，我再翻译后面的结论一段，10个银子太少了，楼主……

Answer 2

你这不已经是英语了吗？要分成日文？韩文，告诉我吧!

Answer 3

新成立的银行分支机构的脸的可操作性
挑战
新法令规定,外资银行遵守上述运行标准,适用于他们的国内同行,按照商业广告
银行法》(中国):
的贷存比率属中等魛们不得超过75%。
魛们assets-to-current的负债比率必须至少百分之二十五。
魛们总贷款到一个单一的借款人不得超过10%的银行的净资本。

在这些强制操作比loan-todepo