银行业存在的问题和对策。请专业人士翻译成英文。万分感谢。急急急。。谢谢

您好，很高兴为你解答问题~

您需要的
1.emphasize "deposit legislation", make deposit competition, hinder the normal operation of itself and the economy.

2.Asset management, high non-performing loans ratio, loan risk prevention mechanism is not sound.

3.Personnel quality level is not high, backward technology and equipment.

4.Operating a single, lack of financial innovation.

Innovation from the following several aspects of the work, make the following countermeasures:

1.Change the idea, keep moderate growth of deposit

2.To strengthen the risk management of credit assets, disposal of the banking system of bad assets

3.To focus on the implementation of the loan "three check" system and the system of unified credit granting

4.Establish a rescue loan risk disperse mechanism and risk mechanism is the key to risk prevention to reduce losses.

5.Commercial Banks should strengthen the internal audit and supervision, strengthen the audit of internal control system

6.Vigorously promotes the construction of software and hardware, and develop the existing business, and strive to develop new business

如果我的回答对你有帮助~

请点击【我回答下】的【选为满意回答】按钮！

请不要收到回答放着不处理，浪费百度资源，相互尊重请及时采纳~

相互帮助，相互支持，O(∩_∩)O谢谢~

Notes on several ubiquitous problems in chinese bank at present.

1. an overemphasis on "存款立行(不理解立行, 不好意思)". too much deposit competition,  that hampered itself and the economy to goes on in normal.

2. Asset-management is mistreated, high ratio of non - performing loans, loan risk prevention mechanism is incomplete.

3. The professionalism and dedication of the staff is not enought for the job. the equipments lag behind obviously

4. Breed is onefold, the lack of financial innovation

the following is about some countermeasures to aspects of the work:

1. Change mindset, RMB deposits one of moderate growth

2. Loan risk management of credit assets should be strengthened, manage bad assets of banking system in healthy.

3. Focus on the implementation of the "three check" censorship to loan and unifiled loan censorship.

4. Set up risk decentralization mechanism and risk assistance mechanism, that is the key to prevent risk and reduce loss .

5.Commercial banks should strengthen the internal audIt and supervision, strengthen the audit of autonomy mechanism

6.  pay close attention to the software and hardware construction, positivly develop existing business, efforts to develop new business

The common problem in China's banking industry has the following several aspects
:
A, too much emphasis on "deposits made line"
Competition, make deposits, hampering itself and normal operation of the economy.

Second, asset management, non-performing loan ratio is high, the loan risk prevention mechanism is not sound.

Three, personnel quality level is not high, backward technology and equipment.

Fourth, the management breed a single, lack of financial innovation.
Innovation from the following several aspects of the work, make the following countermeasures:

A, change ideas, keep moderate growth of deposit

Second, strengthen the risk management of credit assets, disposal of the banking system of bad assets

Third, to focus on the implementation of the loan "three check" system and the system of unified credit granting

Four, establish a rescue loan risk disperse mechanism and risk mechanism is the key to risk prevention to reduce losses.

Five, the commercial Banks should strengthen the internal audit and supervision, strengthen the audit of internal control system.

Six, vigorously promotes the construction of hardware and software, and develop the existing business, to develop new business