Question

请高手帮忙翻译成英文，万分感谢。

请高手帮忙将下文翻译成英文，万分感谢：
针对我行目前半手工、半电子化的信贷管理现状，本文将着重分析其存在的问题和产生的原因，并在此基础上提出构建信贷业务全流程操作电子化平台的初步设想。这对于更好地支持信贷业务的发展和金融产品的创新，对于实现银行价值最大化和股东利益最大化，具有着重要的意义。
首先，它满足了信贷业务发展的需要。随着建设银行经营理念的转换，客户经理对信息共享、提高工作效率、业务操作电子化等需求日益迫切，因此开发面向一线客户经理的操作平台就成为了当务之急。
其次，它满足了管理水平提高的需要。一、从大庆建行的整体发展来看，随着信贷业务的发展及额度管理、评级管理等一系列管理办法逐步完善，大庆建行已经具备了实施信贷业务全流程操作电子化的制度基础；二、从业务规范角度上来看，随着客户经理业务水平和管理层管理水平的提高，业务发展与目前手工操作状态之间的矛盾更加突出。再次从国外银行的最佳实践来看信贷业务流程系统的建设也是建设银行股改以后信贷业务的必然选择。
综上所述：如果信贷业务全流程操作系统称为大庆建行未来信贷管理的基础操作平台和数据共享平台，它对提升我行信贷管理水平、提高信贷工作效率、强化风险控制将起到积极的作用。同时，通过信贷流程系统的实施，明确岗位设置，为实现贷前、贷中、贷后业务分离提供技术保障；通过设立独立放款岗位，集中控制操作风险，为大庆建行逐步实现集中放款，实现信贷管理重心上移提供相应的操作平台。

关键词：电子化；信贷管理；全流程操作；

Answer 1

I so far against semi-manual, semi-electronic credit management status, This paper will focus on its analysis of the problems and the causes and in this building based on the whole process credit business operating the electronic platform for the initial plan. This better support the development of credit and financial product innovation, for the achievement of the banks and their shareholders to maximize the value of maximum benefits, has an important significance. First, it satisfies the credit business development needs. Construction operating with the concept of conversion, client manager for information sharing, improve work efficiency, operational needs such as electronic increasingly urgent, Therefore the development of customer-oriented front-line managers on the platform as the top priority. Secondly, it managed to meet the level of need. One from Daqing CCB's overall development, with the development of credit operations and the management level, rating management of a series of management measures gradually improved. Daqing Construction Bank already has credit for the implementation of all business processes to operate electronic system infrastructure; 2. from the perspective of business standards, with the level of customer operations manager and the management to improve the management level, business development and the current state of manual operation between the more prominent. Foreign banks again from the best practice in credit business process as well as the building of the Construction Bank shares changed after the credit operations the inevitable choice. In summary : If the whole process credit business operating system known as Daqing Construction Bank's future credit management infrastructure platform and the data sharing platform I upgrading its line of credit management, improve credit efficiency, strengthen risk control will play a positive role. Meanwhile, the credit flow system through the implementation of clear positions set for the realization of loans, loan, After the separation of business loans to provide technical support; through the establishment of an independent lender status, centralized control risks Daqing bank lenders focus gradually achieve credit management focus shifted to provide the appropriate operating platforms.