求翻译：通过分析，可以看到目前，我国商业银行面临的风险管理难度和复杂性在不断扩大，商业银行信用风险方面仍处于不完善的阶段，许多政策制度没有实质性的为信用风险服务是什么意思？

Through analysis, you can see the difficulty and complexity of China's commercial banks face the risk management continues to expand, commercial bank credit risk is still in an imperfect stage no substantive services for the credit risk, many policies and systems

Through analysis, you can see at present, China's commercial banks face the difficulty and risk management in the growing complexity of commercial banks, and credit risk are still in the stage is not perfect, and many of the policies of the system have no substantive services for credit risk

Through the analysis, may see at present, Our country Commercial bank faces the risk management difficulty and the complexity are expanding unceasingly, the commercial bank credit risk aspect still was at the imperfect stage, many policy systems substantive have not served for the credit risk

Through analysis, you can see the current, difficulty and complexity of risk management of commercial banks in China is increasing, is still at the stage of incomplete credit risks of commercial banks, many systems do not have substantial credit risk services

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