因此，预防和控制信用风险对商业银行来说是十分重要的。
So it is important for commercial bank to prevent and control credit risk.
对商业银行来说，成本低廉是因为存款担保人所提供的隐性公众补助金。
With commercial Banks, that cost was low because of the implicit public subsidy provided by deposit guarantees.
储蓄银行的合并，对商业银行来说并不是个好消息：历史证明合并的银行都将会在短时间内失去市场的份额。
Mergers among the cajas may be good news for the banks: history shows merged banks lose market share in the short term.
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