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.

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坏帐银行的数额着实在上升。

The number of bad Banks is actually going up.

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