求翻译：本文是通过分析国内外商业银行贷款风险管理的历史与现实问题，探讨国内外商业银行应当如何构建更为有效、更为精确的贷款风险管理体系。是什么意思？

This article is by analyzing the domestic and foreign commercial banks, credit risk management, history and reality, exploring how to build domestic and foreign commercial banks should be more effective, more accurate credit risk management system.

This article is through the analysis of domestic and international commercial bank lending risk management at home and abroad to explore historical and practical issues should be how to build commercial banks for more efficient, more accurate credit risk management system.

This article is through analyzes the domestic and foreign commercial bank loan risk management the history and the realistic question, how discusses the domestic and foreign commercial bank to have to construct effectively, the more precise loan risk management system.

This article is at home and abroad by analyzing the history and reality of risk management of commercial bank loans, explore how domestic and foreign commercial banks must build more effective, more accurate credit risk management system.

This text is through analyzing history and realistic problem of risk management of domestic and foreign commercial bank loans, is effectively to canvass how the domestic and foreign commercial bank should construct even more, more accurate loan risk management system.