内部原因包括商业银行内控制度不完善，缺乏有效的信贷风险预警机制，道德风险防范机制不健全等。
Inside reasons include imperfect internal control mechanism, absence of efficient precautionary measures to credit risk, improper anti-risk system to immoral behaviors, etc.
当前我国银行风险主要为信用风险、流动性风险和管理风险。从银行内部讲是由于各项内开监控制度不健全，管理制度不完善所致。
At present, the bank risks in China include credit risk, floating risk and managerial risk resulting from the imperfect system of internal management and supervision and control in the Banks.
契约的不完全性，制度安排的不完善，使内部人控制下的产权保护变得更加困难。
Because of incomplete contracts, institutional arrangements of the imperfect, protection of property rights has become more difficult under the internal control.
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