求翻译：这三次 大的金融危机给全球经济带来了巨大的影响和损失，引起了国际金融界对金融风险管理的高度重视，商业银行的风险管理更成为国际、国内金融界关注的焦点。信用风险是商业银行主要的风险形式。信用风险的管理也成为当今风险管理领域中极具挑战性的课题。因此，如何防范与降低信用风险已是当前我国商业银行管理的迫切要求。是什么意思？

The three major financial crisis to the global economy had a huge impact and losses caused by the international financial community attaches great importance to financial risk management, risk management of commercial banks to become an international focus of attention of the domestic financial sect

This large 3 times the financial crisis on the global economy had a huge effect, and the losses arising from the international financial community of financial risk management of commercial banks' risk management has become even more international and domestic financial sector focus. Credit risk is

These three big financial crisis has brought the huge influence and the loss for the global economy, caused the international financial circles to take highly to the finance risk management, commercial bank's risk management became the focal point which international, the domestic financial circles

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