Chinese bank group system which consisting state-owned commercial bank, shareholding commercial bank, and city commercial bank has been formed in the beginning of the new century.
在进入新世纪的时候，由国有商业银行、股份制商业银行和城市商业银行三个层面构成的我国银行业组织体系已基本形成。
There is no effective constraint to the credit in the Chinese traditional credit management systems, which result in the enormous bad debt and low quality assets of the state-owned commercial bank.
我国国有商业银行传统的信贷管理制度未能对信贷人员的代理行为形成有效的约束，从而导致了大量银行坏帐的产生。
There is no effective constraint to the credit in the Chinese traditional credit management systems, which result in the enormous bad debt and low quality assets of the state-owned commercial bank.
我国国有商业银行传统的信贷管理制度未能对信贷人员的代理行为形成有效的约束，从而导致了大量银行坏帐的产生。
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