哪位高手帮我把这段文字翻译成英文。谢谢！~~

Question

我国个人消费信贷的难点与对策
摘 要：在我国金融机构贷款量快速增长的今天，不良贷款余额仍然下降缓慢。随着个人消费信贷的快速发展，如何加强金融机构信贷管理，是金融机构不容忽视的问题。随着市场经济的不断发展,国内生产总值逐年提高,我国城乡居民可支配收入越来越多,人民生活水平逐步改善。收入提高带来人们消费观念转变,消费经济越来越被众多的商家和个人所重视。大力发展个人消费信贷业务,扩大国内消费需求,拉动经济增长,是近几年国家运用货币政策实施宏观调控的有效手段,也是商业银行拓展新业务,加快自身发展的新增长点。本文从我国个人消费信贷业务的现状和一些问题出发，提出了在个人消费信贷业务管理中的难点与对策。
关键词：个人消费信贷业务、个人信用制度、消费信贷风险、信息不对称

Answer 1

Our country individual consumption credit difficulty andcountermeasure Abstract: In our country financial organ loan quantity fastgrowth today, not good loaned the remaining sum still to drop slowly.Along with does the individual consumption credit fast development,how strengthen the financial organ credit management, is the financialorgan not allow to neglect question. Along with the market economyunceasing development, GDP enhances year by year, our country city andcountryside inhabitant may control the income to be more and moremany, the lives of the people level gradually improves. The incomeenhancement brings the people to expend the idea to transform, expendsthe economy more and more and individual takes by the multitudinousmerchant. Vigorously develops the individual consumption creditoperation, the expansion domestic consumption demand, the fueleconomic growth, is in recent years the national utilization monetarypolicy implementation macroeconomic regulation and control effectivemethod, also is the commercial bank develops the new service, speedsup own development the new growth spot. This article embarked from ourcountry individual consumption credit operation present situation andsome questions, proposed in the individual consumption creditoperation management difficulty and the countermeasure. Key word: The individual consumption credit operation, individualcredit system, the expense credit risk, the information areasymmetrical

Answer 2

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Answer 3

我国个人消费信贷的难点与对策
Our country individual consumption credit difficulty andcountermeasure
Abstract: In our country financial organ loan quantity fastgrowth today, not good loaned the remaining sum still to drop slowly.Along with does the individual consumption credit fast development,how strengthen the financial organ credit management, is the financialorgan not allow to neglect question. Along with the market economyunceasing development, GDP enhances year by year, our country city andcountryside inhabitant may control the income to be more and moremany, the lives of the people level gradually improves. The incomeenhancement brings the people to expend the idea to transform, expendsthe economy more and more and individual takes by the multitudinousmerchant. Vigorously develops the individual consumption creditoperation, the expansion domestic consumption demand, the fueleconomic growth, is in recent years the national utilization monetarypolicy implementation macroeconomic regulation and control effectivemethod, also is the commercial bank develops the new service, speedsup own development the new growth spot. This article embarked from ourcountry individual consumption credit operation present situation andsome questions, proposed in the individual consumption creditoperation management difficulty and the countermeasure.
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关键词
Key word
个人消费信贷业务
Individual consumption credit operation
个人信用制度
Individual credit system
消费信贷风险
Expense credit risk
信息不对称
The information is asymmetrical
关键词：个人消费信贷业务、个人信用制度、消费信贷风险、信息不对称
Key word: The individual consumption credit operation, individualcredit system, the expense credit risk, the information areasymmetrical