求翻译：政府职能转换迟缓，政企不分，银行不能主动行使经营权，地方政府非理性于预商业银行贷款决策，倒逼商业银行发放有悖于经营原则的低效甚至无效贷款.如“再就业贷款”、“安定团结”贷款，发放工资贷款等等，所有这些都是导致银行信用风险的直接原因。是什么意思？

Slow transformation of government functions, witch hunt, the bank can not take the initiative to exercise the right to operate local government non-rational in the pre-commercial bank lending decisions, Forced inefficient or ineffective loans of commercial banks to issue contrary to business princip

Conversion functions of the government, and government enterprises in slow, your bank cannot exercise initiative, a local government to operate non-rational in pre-commercial bank lending decisions, forced commercial banks would be contrary to principles of management of low-energy efficiency loans

The government function transformation is slow, the without a clear line between the functions of the government and enterprises, the bank cannot exercise the right of management on own initiative, the local authority non-rationality in the pre-commercial bank loan decision-making, pours compels the

Slow transformation of government functions, integration of government administration with enterprise, banks cannot take the initiative to exercise the right, non-rational in commercial bank lending decisions of local governments, forcing commercial banks extended inefficient or even invalid loan co

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