The bank said it was strengthening its underwriting standards, investing in collections operations and working to reinvigorate its risk management culture, Mr Smith said. 该银行表示，这是加强其承保标准，投资于集合行动和工作，以重振其风险管理文化，议员史密斯说。
Because of the longtime operation under planning-economy system,commercial banks in our country lack necessary risk-managing culture and practice. 由于我国商业银行长期在计划经济体制下经营，缺乏必要的风险管理文化和实践经验，因此，借鉴国际银行业先进的风险管理理念，加快向全面风险管理转变，对我国商业银行的改革和发展具有重要的意义。
