紧急求助：哪位高手朋友能帮忙将论文中摘要翻译成英文，不甚感激！

Question

随着经济全球化、金融国际化的不断深入，尤其是中国加入WTO后，企业将面对着更加复杂多变的市场环境，经营风险不断加大。在激烈的市场经济中，由于企业财务状况恶化而引发逃废银行债务的例子屡见不鲜，使银行信贷资产遭受了巨大的损失。因此，对作为债权人的银行而言，建立客户信贷风险预警机制，对企业的财务危机状况进行实时监测，及时发现财务隐患，并发出警情预报，对企业的信贷风险进行有效、及时、全面的预测与度量，具有很大的必要性。
中国农业发展银行是我国唯一的农业政策性银行，其信贷风险具有一定的特殊性，对其进行预警研究具有一定的理论价值和实践意义。
本文的研究目的是，借鉴国内外信贷风险预警理论和研究成果，充分考虑我国信贷风险的特点及信贷风险管理目标和要求，构建一个能对信贷风险进行科学度量、有效监测、及时报警的农发行客户信贷风险预警模型。
本文首先回顾了国内外相关研究文献，对现有相关理论及模型进行了介绍与比较。然后，分析了农发行信贷风险的特征，并指出其在信贷风险预警研究方面存在的问题。最后，利用 2004 年和 2005 年沪、深上市公司的资料信息，以若干财务比率为预警指标，建立了 Logistic 信贷风险预警模型。实证研究结果表明，模型具有较高的预测精度，可以作为银行信贷风险管理的参考和依据。
本文的创新之处在于：在样本选择方面，以我国上市公司为样本，参照中国证监会的行业划分标准，并结合农发行的贷款业务范围和借款企业的行业分布特点，建立了“泛农业”行业的客户信贷风险预警模型。在信贷风险公司界定方面，从银行作为债权人的角度出发，用反映企业短期偿债能力的现金流指标对信贷风险公司进行了界定。
不好意思，我是新手，仅有这么多积分。请多帮忙，谢谢了。

Answer 1

Along with economical globalization, financial internationalization unceasingly thorough, after China joins WTO in particular, the enterprise will face the more complex changeable market environment, the management risk is enlarging unceasingly.In intense market economy, because the enterprise finance condition worsens initiates runs away the waste bank debt example common occurrence, caused the bank credit property to suffer the massive loss.Therefore, speaking of as creditor's bank, establishes the customer credit risk early warning mechanism, carries on the real-time monitor to enterprise's finance crisis condition, discovered promptly the financial hidden danger, and sends out the police sentiment forecast, carries on effective, prompt, the comprehensive forecast and the measure to enterprise's credit risk, has the very big necessity. China Agricultural development Bank is our country only agriculture policy-type bank, its credit risk has certain particularity, conducts the early warning research to it to have certain theory value and the practice significance. This article research goal is, profits from the domestic and foreign credit risk early warning theory and the research results, considered fully our country credit risk the characteristic and the credit risk management goal and the request, constructs one to be able to carry on the agricultural release customer credit risk early warning model to the credit risk which the science measure, the effective monitor, reports to the police promptly. This article first reviewed the domestic and foreign correlation research literature, carried on to the existing correlation theories and the model introduced and compared.Then, has analyzed the agricultural release credit risk characteristic, and pointed out it question which exists in the credit risk early warning research aspect.Finally, uses in 2004 and in 2005 Shanghai, the deep to be listed's material information, take certain financial ratio as the early warning target, has established the Logistic credit risk early warning model.The real diagnosis findings indicated that, the model has the high forecast precision, may take the bank credit risk management the reference and the basis. The this article place of innovation lies in: In the sample choice aspect, take Our country To be listed as the sample, refers to the Chinese Securities Supervisory Association's profession division standard, and unifies the agricultural release the loan business scope and the loan enterprise's profession distribution characteristic, established “has exuded the agriculture” the profession customer credit risk early warning model.Limits the aspect in the credit risk company, embarks from the bank as creditor's angle, flowed the target with the reflection enterprise short-term debt redemption ability cash to carry on the limits to the credit risk company.再给我加点积分.我翻了一个晚上.

参考资料：自己翻的

Answer 2

只给15分？这样一篇给15块钱都远远不够啊。我知道行情，至少70元！