Now, The level of our country commercial bank risk manage is widespread and lower, and the bad loan rate of whole bank system is higher, far higher than international warn line.

从当前我国银行信贷风险管理情况来看，我国商业银行风险管理水平普遍较低，整个银行体系不良贷款率偏高，远远高于国际警戒线。

The establishment of FHC provides favorable chance for dealing with the bad loan problems. Based on better governance structure, holding company mode would accelerate reform and going list pace which is benefit to Chinese capital market.

入世背景下，金融控股公司模式的产生发展是必然的和可行的，其建立成为不良资产问题解决的契机和出口，并将助力改制上市。