英语翻译在全球经济一体化、中国金融体制改革步伐逐渐深入的背景下,银行体系开始发生变化,国有商业银行一统天下的局面逐渐被打

英语翻译
在全球经济一体化、中国金融体制改革步伐逐渐深入的背景下,银行体系开始发生变化,国有商业银行一统天下的局面逐渐被打破,跨区域的股份制商业银行和地方性城市商业银行等中小银行迅速崛起.中国金融市场向自由化进程迈出关键的一步.
这在给中国的银行业提供一个国际竞争大环境的同时,也使中小银行处于更加不利的境地.大部分中小银行最终多数会被并购.城市商业银行在中国的银行业中被称作四大国有商业银行和股份制银行之后的“第三梯队”,自成立伊始,它就有着先天不足的弱势.无论引进外资,还是上市,或是在原有基础上的重组,各地城商行的选择都有一个殊途同归的目的,那就是做大,实现战略转型,改变未来的命运.
风险管理是个银行业内老生常谈的话题,也是城市商业银行转型阶段所面临的主要内容之一.资本金不足、资产质量低下、不良资产比率高等问题制约着城市商业银行的进一步发展.落实全面风险管理,提高资产质量,是城市商业银行面临的重大课题.
X城市商业银行的发展里程在同行业中具有一定的代表性.十多年里,X城市商业银行经历了改制创新,快速发展,引入战略投资者等一系列过程,处于争取实现上市经营、跨区域经营的战略转型阶段.尽管X城市商业银行在国内同业中综合竞争力位居前列,战略转型过程中一定程度上也受到了风险管理水平的制约.本文以X城市性商业银行为例,试探析其风险管理的历史发展与现状,为X城市商业银行实现战略转型提出风险管理建议——完善信用风险管理,重视操作风险管理；从体系的角度,向全面风险管理模式过渡.

Integration in the global economy,the pace of China's financial system gradually in-depth background,the banking system began to change,the state-owned commercial banks dominate the world situation being gradually broken,and trans-regional joint-stock commercial banks and city commercial banks and other local small and medium-sized banks quickly rise.China's financial market liberalization process to take a crucial step.
This is China's banking industry to provide an environment of international competition at the same time,but also small and medium-sized banks in a more disadvantageous position.Most of the majority of small and medium banks will be the final deal.City commercial banks in China in the banking industry,known as the four major state-owned commercial banks and joint-stock banks after the "third tier" since the beginning of its founding,it has a congenitally deficient vulnerable.Whether the introduction of foreign capital,or listed,or on the basis of the original reorganization,the choice of businesses throughout the city the need to have a purpose,which is to expand and achieve strategic transformation,change the future destiny.
Risk management is the subject of the banking industry cliché,city commercial banks are also faced by the transition phase one of the main elements.Inadequate capital funds,the lower the quality of assets,non-performing asset ratio Higher problems have constrained the city for the further development of commercial banks.Implement comprehensive risk management,and improving the quality of assets of the city commercial banks will be facing a major issue.
X city commercial banks in the same milestone in the development of industries in a certain representation.10-odd years,X city commercial banks experienced restructuring innovation,and rapid development,the introduction of strategic investors and a series of process,in the pursuit of market operators and inter-regional strategic business transformation.Although X city commercial banks in the domestic industry in the forefront in overall competitiveness,strategic transformation process has been to some extent on the level of risk management constraints.Based on X of the city commercial banks as an example,the test of its risk management and the historical development of the status quo,city commercial banks for X achieve a strategic transformation of risk management recommendations - improving credit risk management,operational risk management attention from the system point of view,to the comprehensive risk management model transition.