求英文仙人们帮忙翻译一下 这个论文摘要 千万不要直接用翻译软件

With the healthy development of China's economy, the business of China's commercial banks is getting more mature, of which individual housing loan business is rapidly developing and getting mature, but it also exposed many problems and multiple risks. The U.S. subprime mortgage crisis triggered by the financial crisis proves the lessons of the control risk of the importance of individual housing loans. Therefore, for preventive measures, we should strengthen to prevent the risk of individual housing loans of commercial banks become current needs of the important issues.
This paper outlines the business of commercial banks, personal loans and credit risk of the general concept; then analyzes the individual housing loans of commercial banks in the performance of credit risk and the reasons for its formation; last for improving individual housing loans of commercial banks in credit risk and management the level come up with some suggestions.

纯手工，请参考。
Along with the healthy development of our country's economy, the business of commercial banks has also been improved. The IHL (individual housing loan) business is developing rapidly and becoming much maturer, but it is also exposing many problems and facing with various risks at the same time. The financial tsunami caused by the subprime crisis happened in the U.S also taught us a lesson about the importance of controlling the risk of IHL business. Therefore, in order to nip in the bud, strengthening the prevention of the risk of IHL in comercial banks is becoming an sinificant issue.

This paper firstly summarizes the general concepts of IHL and credit risk, and then analyzes the performance of the credit risks of IHL of our country's commercial banks and the causes of the formation of the risks. It proposes some suggestions to improve the management level of the credit risks of IHL of our country's commercial banks.

注：
个人住房贷款第一次出现用IHL (individual housing loan)表示，后面直接用简写 IHL 代替。

有帮助，请采纳。谢谢。

The business of the commercial banks are gradually improving as the healthy development of China's economy, of which, individual housing loan business is rapidly developing and getting mature, but also exposing many problems and facing multiple risks. Thefinancial tsunami caused by subprime crisis in America proved the importance of controling the risk of individual housing loans. Therefore, to nip in the bud, strengthening of commercial banks to prevent the risk of individual housing loans become important issues of current needs.
This paper outlines personal loans, the business of commercial banks, and the general concept of credit risk at first, then analyzed the performance of the risk of individual housing loans of commercial banks and it's reason, at last, gave some suggestions for improving the management of individual housing loans of commercial banks in credit risk.

With the healthy development of China's economy, the business of China's commercial banks is getting more and more mature, in which individual housing loan business is rapidly developing. However, this development also exposes many problems and multiple risks. The financial crisis triggered by the U.S subprime mortgage crisis proves the the importance of controlling individual housing loans. Therefore, to nip in the bud, strengthening our awareness to prevent the risk of individual housing loans of commercial banks becomes one of the most important issues in China.
This paper outlines general concept of the business of commercial banks, personal loans and credit risk; then it analyzes the representation of credit risk in individual housing loans of commercial banks and the reasons for its formation; last it come up with some suggestions for improving individual housing loans of commercial banks in credit risk and management.

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