最后总结出加强中国银行陕西省分行信贷风险全过程管理的五点结论性意见。
Finally, this paper concluded five Suggestions that strengthen the entire process of credit risk management of Bank of China in Shaanxi.
所发表的结论性意见应包括是否合法合规、是否真实有效，是否存在纠纷或潜在风险。
Published by the concluding observations should include the legality of the regulation, whether real, valid, the existence of disputes or potential risks.
仲裁裁决是仲裁庭对仲裁当事人争议的实体问题所作出的结论性意见，它与终局判决具有相同的效力。
The arbitration award is the conclusive opinion made by the arbitration court for the parties' dispution substantial issues and it had the same effect as the final judgment.
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