Modern market economy is the credit economy based on the base of legal system . the highly developed social credit system is playing a positive role in taking precautions against financial risks and in improving the resource distribution efficiency of the market 现代市场经济是建立在法制基础上的信用经济，高度发达的社会信用体系在防范金融风险、提高市场资源配置效率等方面都发挥着积极作用。
The highly developed credit system has a positive role in some aspects such as guarding finance risk , enhancing the efficiency of market resource disposition and so on . the credit system construction is the core link of the social credit system construction 一、选题意义高度发达的信用体系在防范金融风险、提高市场资源配置效率等方面发挥着积极作用,征信体系建设是社会信用体系建设的核心环节。
Entry into wto , financial industry will be open to other country . the state - owned commercial banks were gradually confronted worldwide competition . however the state - owned commercial banks have a large amounts of non - performing assets which is mainly financial risk in china 金融是现代经济的核心，这已是理论界不争的事实；而防范金融风险、化解金融危机又伴随着近年来国内外屡屡发生的重大金融事件和金融风波，成为世界性迫切需要解决的难题。
In the face of international openness of china ' s financial industry , we should not only grasp the great opportunity for financial development , speed up the international development of finance for strengthening financial competitiveness , but also need stringent financial supervision measures to guard against financial risks 面对中国金融业的国际开放，我国既要抓住金融发展的大好机遇，加快金融的国际化发展增强金融竞争力，同时需要严格金融监管防范金融风险。
He emphasized that to maintain a normal financial order and ward off financial risks , we should not only formulate correct economic development strategies and preserve a rational economic structure , but also improve the financial system through strengthened financial supervision and regulation . meanwhile , we should decline financial policies in light of our specific conditions . we should enhance regional and international financial cooperation , jointly restrain and ward off the impact of excessive speculation of hot money in the world 他强调，为了维护正常的金融秩序，防范金融风险，既要制定正确的经济战略，保持合理的经济结构，健全金融体系，加强金融监管，善于根据实际情况确立金融政策也要加强地区和世界的金融合作，共同约束和防范国际过度投机的冲击。
The study of misalignment between fictitious economy and real economy is not only a very important issue facing all countries in the world , but of great significant for our country to minimize financial risk , guard against financial crises and keep fictitious economy and real economy healthy 因此研究虚拟经济与实体经济背离关系，不仅是世界各国面临的重大课题，而且对我国化解与防范金融风险、防止金融危机、保持虚拟经济和实体经济的健康发展有着十分重要的意义。
The installation of china banking regulatory commission indicates our country ' s determination and effort in enhancing bank regulation , improving credit quality , and keeping away finance risk , and at the same time displays the pressure of the bank credit risk measurement method research in our country 成立银行业监督管理委员会这一重大举措，在管理体制上显示了国家在加强银行监管、提高信贷质量、防范金融风险等方面的决心和努力，同时也从某种意义上凸现出我国银行信贷风险计量技术研究的紧迫性。
To face the chance and the challenge , the article points out our strategic countermeasure : macroscopically we should play our role in expanding opening , improve the controlling ability of economy of the government , and safeguard the sovereignty of the country and the security of economy ; microscopically we should improve the ability of international competition , develop the education of science and technology , protect national industry , keep a lookout on financial risk and get along well with other countries and so on 面对机遇与挑战，提出了我们的战略对策，宏观上主要是积极参与、在进一步扩大开放中发挥我们的作用，提高政府管理经济的能力，维护国家的主权和经济安全；微观上提出要提高国际竞争力、大力发展科技教育、保护民族工业、防范金融风险、处理好与各国的关系等。
Such new mode and new system can avoid the problems in traditional management mode , optimize the management and maximize the operational benefits through centralized management of all items of bad assets of state - owned commercial banks , thus provide a practical and feasible management mode for state - owned commercial banks to prevent financial risks , lower bad asset rates , and improve their competitive strength both home and abroad 该模式和制度避免了传统管理模式的弊病，把国有商业银行各项不良资产通过集中管理，实现了管理的最优化，经营效益的最大化。从而为国有商业银行防范金融风险，降低不良资产率，提高在国内、国际上的竞争力提供了一种切实可行的管理模式。
