Question

在线翻译

作为银行的一项主要资产业务，贷款资产的运动是一种以“两权分离、按期偿还”为本质特征的特殊价值运动。在现实经济活动中，银行的信贷活动，会受实现无法预料的不确定性因素影响，例如使银行贷款资金有可能遭受损失事件发生。主要表现为贷款到期不能按时收回和贷款的贬值等，这样接产生风险。从目前国有商业银行贷款资产质量的现状看，形式较严峻。
政府行政干预带来的风险。按照经济发展的客观要求，国有银行是资金配置的主体，政府职能只限于宏观调控。然而在现实中，作为国有商业银行，虽然在人事、行政、业务上不受政府直接管控，但并不等于不受政府影响。作为资金配置的主体，政府并未从实际运作的中退出，中心地位并未淡化，往往造成部分项目投资效益不高，形成贷款沉淀。
社会保障机制滞后带来的风险。由于社会破产失业救济制度不完善，国有银行贷款风险无法直接分散和转移。企业与社会的问题没有解决，企业把生产所需资金缺口留给银行贷款解决，形成贷款风险压力；企业保障制度不健全，使银行无法保全贷款资产的安全性，增加了损失的概率。法制不健全带来的风险、尽管我国陆续出台了银行法、票据法等许多法律，但是这些法律大多内容比较简单，有些内容有待于重新修订，并且有些法律与国家的某些政策相悖，银行在保全债权方面将会遇到较大的阻力，加大了银行的信贷经营风险。缺乏科学经营管理带来的风险。国有商业银行缺乏科学规范的经营管理方式主要表现在：在经营商把效益性放在首位，而忽视安全隐患：没有建立起完善的责权对等的管理机制，一旦贷款出现问题，很难分清责任，更谈不上追究责任。
借款人（企业）还贷意愿不确定带来的风险。借款人（企业）还贷意愿与其（法定代表）的信用相关，还贷能力强的借款人（企业）还贷意愿不一定强；还贷能力弱的借款人（企业）还贷意愿不一定差。并且，信用很难进行比较准确的考察、判断。所以，借款人还贷意愿存在很大的不确定性，这种不确定性必然带来一定的风险。
为有效防止和化解国有商业银行信贷风险，避免由此带来的金融震荡和经济风险，通过上述对我国商业银行目前面临的信贷风险原因的分析，我们可以从如下几个方面着手治理商业银行的信贷风险。

Answer 1

As one of the main assets of the banking business, the loan assets to the campaign is a "separation of powers, to repay on schedule" for the special value of the nature of sports. In real economic activity, the bank's credit activities will be affected by the realization of the uncertainty of unpredictable factors, such as bank loans so that funds may be subject to loss of the incident. Mainly due to loans and loans on time to recover the depreciation and so on, so take risks. State-owned commercial banks from the current loan status of asset quality, the more severe form.
Administrative intervention by the Government risks. In accordance with the objective requirements of economic development, state-owned banks are the main fund allocation, the Government is limited to macro-control functions. However, in reality, as the state-owned commercial banks, although in terms of personnel, administrative, business, free from direct government control, but does not mean freedom from government influence. Configuration as the main body of funding, the Government has not from the actual operation of the exit, did not play down the center, often part of the project investment is not high, the formation of precipitation loans.
Social security mechanism for the risks associated with hysteresis. Unemployment benefits as a result of the social system is imperfect, the insolvency of state-owned bank loans and spread risk can not be directly transferred. Business and society has not been solved, the production company financing gap left bank loans, the risk of pressure on the formation of the loan; enterprise security systems, so that bank loans could not preserve the security of assets, an increase of the probability of loss. Legal system and the risks associated with, despite being out of China's banking law, Law of Bills and many other laws, but most of the content of these laws is relatively simple, some of the content to be updated and revised,
And some law and policy that runs counter to some of the country, the banks will be in the preservation of claims have greater resistance, increased the risk of the bank's credit business. Lack of scientific operation and management of risks. State-owned commercial banks lack of scientific and standardized way of the operation and management of the main problems: the effectiveness of the operator of the first place, and ignore the security risks: There is no established right to select a sound management system, etc., once the loan problems, it is difficult to distinguish responsibility, let alone be held accountable.
Borrowers (enterprises) will of uncertain repayment risks. Borrowers (enterprises) and their willingness to repay (Official) credit related to repayment ability of borrowers (enterprises) are not necessarily strong willingness to repay; repayment ability of borrowers (enterprises) are not necessarily the wishes of poor loan repayment . In addition, credit is difficult to compare the accuracy of the inspection, to determine. Therefore, the borrowers repay the wishes of a lot of uncertainty, this uncertainty is bound to bring a certain degree of risk.
In order to effectively prevent and resolve the state-owned commercial banks of credit risks, to avoid the resulting financial turmoil and economic risk, through the above-mentioned commercial banks of China is currently facing the cause of the credit risk analysis, we can proceed from the following aspects of governance of commercial banks credit risk.

希望有用~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~

Answer 2

itchy coochie mama vanna【浪荡饥渴的舞女凡娜】

1.Couchie一词由法语单词coucher（即“上床”的意思）变形而来。在本世纪初，这个词指一些在俱乐部中扭着屁股跳具有挑逗性舞蹈女人，她们被称为"hootchie coutchie"舞者。这些舞者被大众认为道德作风不正，也被称作流浪者。Hootchie mama是"hootchie coutchie"这个词的变体，我们不能轻易称一个女人为Hootchie mama，小心被揍成猪头！

2. 女人称呼其他女人为“荡妇”时的比较委婉的“礼貌性”的用语。（女人何苦糟蹋女人那？）

3.穿的像街头小混混的女人。这种人浑身上下都是金饰品，带很多编织物（以红、紫、金、橙条纹为典型特征），她们的指甲特别长且涂得闪亮的彩色。这类女人的生活目标便是用自己的姿色去虏获有钱的或舍得为她们花钱的男人。

另外：
I'm Your Hoochie Coochie Man.我是你醉醺醺的男人（一首歌）。

itchy adj. 发痒的；渴望的（可否引申为“饥渴的”？哈哈）
vanna是不是个人名（凡娜）？

Answer 3

Answer 4