你这个段落有些地方有问题,第三句 "分析其形成原因" 的 "其" 不知道是指代什么东西,是信用风险还是我朝商业银行风控现状?我假设是我朝商业银行的风控现状,如果是指信用风险,就把括号里的那句换成第二段方括号的句子.
还有最后一句的 "指出" 最好换成 "提出",问题才是指出,建议是提出.
This paper starts with the basic theories of credit risk management of commercial banks,(then analyzes the causes and impact factors of the status quo of commercial bank risk management in China),then introduces several credit risk management system of foreign commercial banks,and finally provides solutions and suggestions to enhance the efficiency of credit risk management of China's commercial banks.
[then analyzes the causes and impact factors of credit risk combining with the status quo of commercial bank risk management in China]