急!翻译成英文,要手工翻译!不要电脑的!很着急.谢谢例如当政府采取紧缩的货币和财政政策时,造成企业总有效需求不足、产品滞销,财务状况发生恶化导致对应的银行不良贷款大量产生.在商

Question

急!翻译成英文,要手工翻译!不要电脑的!很着急.谢谢
例如当政府采取紧缩的货币和财政政策时,造成企业总有效需求不足、产品滞销,财务状况发生恶化导致对应的银行不良贷款大量产生.在商业银行机制逐步完善的今天,这些现象已经得到了很好的改善,但是存量的不良贷款仍然困扰着商业银行的业务人员.
按照1988年的《巴塞尔协议》,银行的核心资本和全部资本比例应该分别达到4%和8%.这一监管要求银行为了提高和维持资本充足率,要么怎级啊资本金,要么降低持有的风险资产.
一方面,通过参与机构发挥各自优势,运用商业银行所不能运用的各种金融工具,运用规模效益,可以降低处理不良贷款的经济成本.另一方面,证券化过程中通过“真实出售”能使银行资产负债结构得到彻底改善,有助于维护公众信心,保持银行体系稳健,降低解决不良贷款问题的社会成本,也减轻了国家财政的潜在负担.

Answer 1

For example, when the government tightening monetary and fiscal policy, cause enterprise total effective demand shortage, unmarketable products, financial situation caused deterioration of the corresponding bank non-performing loans erupt. In the commercial bank mechanism of gradually perfect today, these phenomenon has got a very good improve, but hemorrhage of non-performing loans still affects commercial bank business personnel.
According to the 1988 Basel agreement, the bank's core capital and total capital ratio should be achieved respectively 4% and 8%. The regulatory requirements for the improvement and maintenance of bank capital adequacy, or how level, wow, or reduce the capital held risk assets.
On the one hand, by participating institutions play to their respective advantages, use commercial Banks were not use all kinds of financial instruments, use scale, can reduce processing non-performing loans economic costs. On the other hand, securitization process through the "real sell" can make bank assets and liabilities structure was completely improve, help maintain public confidence in the banking system, maintain stable, reduce resolve the non-performing loan problem of social cost, also eased the national finance of the potential burden.