求翻译：虽然在金融风暴过后，某些国外先活跃银行也受到了或重或轻的影响，但是他们的先进管理思想是值得我国学习和借鉴的。首先，我们要承认信用风险具有普遍性。一般情况卜，风险与回报是成正比的，风险越大，回报自然也越大，银行要经营日常业务就必须要全面认识这点，而认识风险不是说去竭尽全力去杜绝所有的风险，血是通过认识风险来如何经营控制风险，通过风险管理机制和技术，将潜在的信用风险转化为未来的收益。其次，学习国外活跃银行的灵活高效的信贷执行机制。是什么意思？

Financial turmoil, some of the first active foreign banks has been the impact of heavy or light, but their advanced management idea is worthy of our country to learn from. First, we have to acknowledge the universal credit risk. General Bu, risk and return is directly proportional to, the greater th

Although in the wake of the financial turmoil, some foreign banks have also been active before the or heavy or light, but their advanced management thinking is worth my learning and learn from them. First of all, we want to recognize a universal credit risk. In general, risk and return is proportion

Although in the financial storm, certain overseas first will be from now on active the bank also to come under either heavy or the light influence, but their advanced management thought will be is worth our country studying with the model.First, we must acknowledge the credit risk has the universali

After the financial turmoil, some foreign banks was also the first active or heavy or light effects, but their advanced management ideas are worth learning and reference. First of all, we have to recognize the universality of credit risk. General situation BU, risk and return is into is proportional

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