随着次贷危机的迅速蔓延，提高银行效率和降低银行风险成为银行运营中的两个最重要的问题。

With the rapid spread of the loan crisis, improve efficiency and reduce risk of Banks becoming the two most important issues.

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上海农村商业银行运营效率的低效是主要是由其规模效率低而引起的。

Shanghai rural commercial bank 'low result efficiency is aroused by its inefficient scale.

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