Question

请帮忙翻译一下这段话 谢谢

1).长期以来，由于受计划经济和资金分配体制的影响，我国商业银行对信贷资金的风险缺乏严密、科学的控制管理，没有建立和严格实施国际银行业普遍遵循的统一的授权授信制度，各部门、各分支机构对同一客户分头授信，对本外币分割授信，对贷款、贴现、承兑、担保、信用证等分散授信。结果造成信用证项下大量垫款和损失；银行不能了解和控制对单一法人客户的信用风险；风险过度集中；不良资产比例过高；使各商业银行蒙受重大损失；给银行自身及我国金融体系的安全带来严重威胁。在我国银行业推行统一授信已刻不容缓。

Answer 1

For a long time, because of the planned economy system and the allocation of funds, China's commercial banks of credit risks of a lack of strict financial and scientific management control, and no strict implementation of the international banking industry generally follow the unified credit authorization system, departments, All branches of the same customer credit separately, this division of foreign currency credit, loans, discount, acceptance, guarantee, letter of credit, such as credit spread.As a result, letters of credit under a large number of advances and losses; banks can not understand and control of a single corporate customer credit risk; the risk of excessive concentration; non-performing assets ratio is too high; so that commercial banks suffered heavy losses; to the bank