So enforcing the system of credit risk management to reduce the amount of bad assets is the four state-owned commercial Banks' main work, and also ensures to reduce our country's financial risks.

因此，加强和完善信贷风险管理，切实降低不良资产，是四大国有商业银行今后几年工作的重点，也是我国有效降低金融风险的重要保障。

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The financial asset management company of China takes the responsibility to accept, manage and deal with the long - term -leaved bad assets of the 4 big state - owned banks.

金融资产管理公司负责接收、管理和处置四大国有银行长期以来遗留下的不良资产。

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