求翻译：目前，信用风险乃是我国金融业所面临的最主要风险。而信用风险最突出的表现则是不良贷款数额巨大等。而企业经营管理不善，效益低下则是造成银行大量不良贷款的主要原因。因此，要控制银行信用风险，就必须从根本上九转企业管理不善，效益低下的局面。是什么意思？

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At present, the credit risk is our financial sector as one of the most significant risks. While the credit risk of the most prominent manifestation is huge amounts of bad loans. And the corporate mismanagement and poor efficiency, was due to the large amount of bad loans of banks. Therefore, to the

目前，信用风险乃是我国金融业所面临的最主要风险。But the credit risk most prominent performance is the non-performing loan amount huge and so on.But the enterprise management and operation is bad, the benefit low is creates the bank massive non-performing loans the primary cause.Therefore, must control the bank credit risk,

At present, the credit risk is the most important risk faced by the financial sector in our country. Most outstanding performance and credit risk is the huge amount of bad loans, and so on. Company of poor management, low efficiency is the main reason cause banks to bad loans. Therefore, controlling

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