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。
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。
