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 private enterprises must also improve their management standard, set up better credit, better financial management system and regulate their behaviors in operation and competition.

私营企业也应不断改进其管理水平，树立良好的社会信用观念，健全财务管理制度，规范经营和竞争行为。

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So we must strengthen financial credit management of enterprises, set up unified credit management system and credit management organizations.

因此，我们应强化企业财务信用管理，建立国家信用管理体系，建全企业信用管理部门和信用管理制度。

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So we must strengthen financial credit management of enterprises, set up unified credit management system and credit management organizations.

因此，我们应强化企业财务信用管理，建立国家信用管理体系，建全企业信用管理部门和信用管理制度。

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