题目

英语翻译
商业银行危机是对银行价值或目标造成的一种威胁和危害,不仅威胁带商业银行基本目标的实现,而且会造成商业银行组织体系紊乱,给商业银行带来经济、财产上的巨大损失.进一步地,由于商业银行危机具有巨大的传递效应,尤其是在当今信息传播渠道多元化、速度高速化的情形下,商业银行一旦发生危机会迅速公开,会引起公众恐慌和社会动荡.
2007年2月,美国第二大次贷机构新世纪金融（New Century Financial Corporation）宣布2006年第四季度业绩将出现亏损,美国次贷危机浮出水面.在随后的一年多时间里,次贷风险全面暴露,住房抵押贷款公司濒临***,对冲基金被迫清盘,投资银行宣布亏损,商业银行和保险机构也遭受了重大损失,全球股市应声下跌,次贷引发的信用风险最终演变成一场全球性金融危机.探究本轮次贷危机的成因可以使我们从危机中吸取教训,在我国积极发展金融市场的同时,理性而审慎的对待发展过程中积累的风险,加强风险防范意识,提高风险管理能力,以保证我国金融市场的稳定健康发展.
文章对美国次贷危机进行定性分析,首先论述次贷危机是美国政府监管缺失和银行内控机制的缺陷的共同作用的结果,然后结合我国银行业存在的问题,最后提出加强我国商业银行危机管理机制的一些对策性建议.

提问时间：2020-11-09

答案

Commercial banks on the banking crisis was caused by goal value or a threat and danger,not only a threat to commercial banks with the basic objective of the implementation,but will also cause commercial banking organization system disorders,give commercial banks the economy,on the great loss of property.Furthermore,the commercial banking crisis because of huge transmission has effect,in particular the dissemination of information in today's diversified,the speed of high-speed cases,the commercial bank crisis will happen quickly once open,will cause public panic and social unrest.
In February 2007,the United States's second-largest credit institutions at New Century Financial (New Century Financial Corporation) announced fourth quarter 2006 results will be a loss,the United States sub-loan crisis surfaced.More than a year in subsequent years,the risk of overall loan exposure times,mortgage companies the verge of bankruptcy,forced liquidation of hedge funds,investment banks,announced losses of commercial banks and insurance agencies have also suffered heavy losses,global stock markets drop,sub - loan-induced credit risk eventually evolved into a global financial crisis.The current round of meetings to explore the causes of credit crisis can make us draw a lesson from the crisis in our country to actively develop the financial markets at the same time,rational and prudent approach to development process of the accumulation of risk,strengthen risk prevention awareness,improve risk management capabilities to ensure that China's financial market stability and healthy development.
Sub-article of the United States to carry out a qualitative analysis of the crisis,the first sub-loan crisis on the United States are lack of government supervision and deficiencies in internal control mechanism,the banks of the combined effect of the results,then combining the existing problems of China's banking industry,the last of China's commercial banks to strengthen risk management mechanism for some of the proposed countermeasures.