求翻译：因此合理的信贷管理流程与贷款定价是商业银行控制信贷风险，让其可以在竞争激烈的环境下生存和发展的两个重要甚至是必要的条件。是什么意思？

Therefore, the credit management process and loan pricing is a commercial bank to control credit risk, so that it could in a highly competitive environment, survival and development of two important and even necessary conditions.

It is therefore reasonable Credit Management process and loan pricing, commercial banks control credit risk, and let it be in a very competitive environment, survival and development of the two important and even necessary.

Therefore the reasonable credit management flow and the loan fixed price are the commercial bank control the credit risk, enables its to be possible under the competition intense environment the survival and development two important to be even the essential condition.

Sound credit management processes and control credit risk of commercial bank loan pricing is, so that it can survive in a competitive environment and the development of two important or even necessary conditions.

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