The financial sector now faces grim challenges as a result of the difficulty in utilizing the capital market, the decline in credit grade and the increase in non-performing assets, particularly the risks shifted from insurance and security sectors.

• 资本市场的难以利用、信用等级的下降及不良资产的上升，特别是从保险、证券等行业转嫁过来的风险，使得金融业面临非常严峻的挑战。