题目

英语翻译
近几年,我国商业银行施行股份制改革,使商业银行不良贷款率大幅下降,但这并非是基于体制上的根本改革,贷款基数的迅速扩张以及贷款的长期化趋势在很大程度上掩盖了商业银行的信贷风险.再者虽然席卷全球的次贷危机已经过去,但是宏观经济政策的调整使商业银行面临着新的信贷风险.

提问时间：2020-07-18

答案

In recent years,Chinese commercial Banks to joint-stock reform,and that commercial Banks non-performing loan ratio fell sharply,but this is not based on the fundamental reform on the system,the loan of the rapid expansion of the base and the long-term trend in loans to a large extent masked the credit risk of commercial Banks.Moreover although subprime crisis swept the world has been in the past,but the adjustment of macroeconomic policies to commercial Banks face the new credit risk.