在主要的商业问题和要冒多大的风险上，董事会必须有相应的行业专家来给他们管理提供建议。
Board directors must have relevant industry expertise to advise management on major business issues and how much risk to take.
对比发达商业银行的成功经验，提出了促进武进建行信贷管理操作规程改进完善的建议。
Comparing with developed commercial bank's successful experience, this paper inquires into how to improve the operational rule of management of credit in Wujin Branch.
在对矩阵进行深入分析的基础上，为商业银行利用迁移矩阵进行风险管理提出了有益的建议。
On the basis of an in-depth study of matrix, the author puts forward some valuable suggestions for exercising commercial bank risk management by applying transfer matrix.
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