In my opinion, the more effective solvation should base on the law and public supervision.
我认为，更有效的解决方式必须依据法律和公共的意识。
Although China has more than ten years' banking supervision history, its practice and effectiveness of supervision proved that scientific theories is necessary for effective banking supervision.
我国银行监管只有十几年的历史，监管实践说明，银行监管需要科学理论指导。
In order to reflect and deal with credit risk well and truly, both the Banks themselves and the supervision authorities need more effective credit risk computation and management technologies.
为了真实、准确地反映和应对银行信用风险，无论是银行自身还是监管当局，都对信用风险计量和管理技术提出了更高的要求。
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