需要说明的是，标普对银行业的评估由1)经济风险趋势评估(Economic risk factor)和2)银行风险趋势评估(Banking risk factor)两个部分，前者主要反映是对国家经济宏观状况的评估情况。
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Risk is the core factor of bank operation process. Pay attention to risk is to pay attention to the new Basel protocol generated by international banking.
风险是银行运营的核心要素，关注风险就是关注国际银行业产生新巴塞尔协议的相关规定。
The another most important risk factor is moral hazard apart from the financial problems in our banking system.
我国银行业除了财务风险外，还存在一个重要的风险问题——道德风险。
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