求翻译：我国尚未建立起个人诚信系统，商业银行也难以对贷款人的贷款行为和资信状况进行充分的分析的条件下，大力发展个人住房抵押贷款势必给银行造成不良资产是什么意思？

Yet to establish the personal integrity of our system, commercial banks also difficult for the lender's lending practices and credit conditions for full analysis of the conditions, to develop personal housing mortgage loans will inevitably result in non-performing assets to the bank

My country has not yet established a personal integrity system, banks are also making it more difficult to conduct loans and credit conditions under the conditions of full analysis of individual housing mortgage loans, and make great efforts to develop bad assets for banks is bound to

Our country not yet establishes individual good faith system, the commercial bank also with difficulty carries on the full analysis to lender's loan behavior and the credit status under the condition, will develop individual housing mortgage loan inevitably to create not the good property vigorously

Established personal integrity system, it commercial banks have difficulty in lenders lending and credit in adequate analysis of conditions, develop personal housing mortgage loans will certainly have bad bank assets

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