英语翻译商业银行,是指通过吸收、发放存贷款来获取利润的货币经营企业.商业银行风险管理是商业生存发展的基础,也是商业银行公

英语翻译
商业银行,是指通过吸收、发放存贷款来获取利润的货币经营企业.商业银行风险管理是商业生存发展的基础,也是商业银行公众信用和信心的体现,它关系着商业银行的经营成败,更是国家对商业银行监管的重点.随着美国次贷危机的爆发,世界金融圈内掀起了不小的波澜,多家世界知名银行的破产倒闭,使得“商业银行风险管理”这个经久不衰的话题又重新回到了人们的视野.就我国银行业当前发展的状况来看,尽管目前已经实行了股份制改革,也实实在在的进入了市场,风险意识更在不断加强,但是由于前期我国商业银行长期处于政府的保护下,改革时间尚短,整体上来讲还无法获得成熟的风险管理经验.因此,如何探求一条符合我国国情的、符合我国商业银行自身发展的风险管理之路任重而道远.民生银行是我国第一家通过构筑制度建设、技术支持、文化建设三道防火墙来进行风险管理创新的商业银行.本文以民生银行为主要分析对象,从金融危机对世界银行业以及我国银行业造成的严重影响入手,分析风险管理对我国银行业的重要作用,并通过对民生银行和建设银行的风险核心指标相关数据的对比,揭示出我国商业银行在风险管理过程中普遍存在的问题,进而探讨在金融危机下我国商业银行风险管理的完善措施.

参考译文如下：
Commercial Bank is the monetary management enterprise which gains profits through absorption and issuing loans.The risk management of commercial bank is the base of the commercial bank’s development,which also embodies the public credit and confidence ,relates to the operation of commercial bank and,moreover,is the key supervision point by the nation.It causes a lot of waves in the world financial circle with the explosion of American Subprime Mortgage Crisis.It make “Risk Management of Commercial Bank” come into the top topic again due to the bankruptcy of many world famous banks.In terms of our national bank development,it is difficult to gain mature risk management experience due to the short reform time after the national commercial banks have stayed under the long-time governmental protection,although the risk awareness is more and more enhanced after its implementing shareholding reform and entering into the market.Consequently,it is a long and important way to seek the road of risk management which conforms to our national condition and commercial banks’ development.CMSB(China Minsheng Banking Corp.,Ltd) is a commercial bank which firstly innovates risk management via institutional improvement,technical support and cultural construction.Here we would analyze the important function of risk management on our national bank industry through the study of the serious influence of world banks and our bank industry based on the main analysis object of CMSB,meanwhile,we would reveal the common problems existing in the risk management of our national commercial bank and then discuss the improved measurements of our national commercial bank under the financial crisis via contrasting the related datas of risk core index between CMSB and CCB(China Construction Bank).
仅凭英语专业毕业,现任相关工作经验所译,望有益.
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