求翻译：另外，我国监管当局缺乏对银行信用卡业务有效的监管，尤其对银行“跑马圈地”式的业务发展模式得以制约，使得我国信用卡业务陷入过度竞争的局面，风险不断被放大。是什么意思？

In addition, our regulatory authorities lack effective monitoring bank credit card business , especially for business development model Bank "staking " type can be restricted , making China the credit card business into a situation of excessive competition , risks continue to be magnified .

In addition, the country's regulatory authorities lack of bank credit card business effective supervision, and in particular the bank "foreigners" business model of development has been constrained to make my credit card business into excessive competition situation, the risk is magnified.

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