求翻译：东台农村信用联社经过多年的摸索和实践，建立了比较完整的信贷管理制度，推动了信贷业务的健康发展。从规范的角度考虑，现有的信贷管理制度不系统、不全面，贷款“三查”制度执行也不严格。目前东台农村信用社信贷资产的管理尚处于粗放经营的管理层次, 缺乏一套与现代市场经济体制相适应的贷款决策、约束机制，且信贷管理手段落后,跟不上信贷业务快速发展的要求。在实际工作中,只注重贷款前调查和审查,疏忽贷后跟踪检查。未建立起有效的制度制约机制，不能完全适应当前信贷业务快速发展的需要，出现了不少低质量贷款，为信贷违规现象的产生埋下了隐患，容易诱发能力风险和道德风险。是什么意思？

正在翻译，请等待...

正在翻译，请等待...

East the Taiwan rural credit association society passes through many year fumbles and the practice, has established the quite complete credit management system, impelled the credit operation healthy development.Considered from the standard angle that, the existing credit management system system, is

Dongtai rural credit union after years of exploration and practice, establish a relatively complete system of credit management, promote the healthy development of the credit business. From specification point of view, existing credit management system of systems, not comprehensive, loan "three chec

正在翻译，请等待...