金融监管逐步加强，防范和化解金融风险取得成效，银行不良资产比例逐步降低。
As financial regulation was gradually tightened, our ability to prevent or defuse financial risks has improved, and the proportion of non-performing assets of our Banks decreased.
突出加强商业银行内部监管对降低不良贷款，防范和化解金融风险有着十分重要的作用。
Strengthening internal supervision of commercial bank is very important to reduce the ill loans and keep away the financial risk.
运用这一手段处置金融不良资产可以降低资产处置成本，提高资产回收率，防范和化解金融风险。
It can not only reduce the disposal cost of non-performing assets, but also enhance the cash-asset ratio and take precautions against financial risks.
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