【正确答案】正确答案： Financial Reform Financial reform is the most difficult and the most crucial part of our overall economic reforms. The financial sector in China has been plagued by many problems. The biggest problem is the fairly high proportion of non-performing loans from banks. There exists significant risk. The problem is caused by defects in the system. So we have to accelerate the reform of the banking system. Our aim is to put in place a modern banking system whereby the banks will be commercial banks in a true sense, responsible for their own operation decisions and for their profits and losses. On our part, we will help create conditions that facilitate corporate governance among banks through the share-holding system. Those that meet the conditions can go public. We must also strengthen financial assistance for small and medium-sized enterprises and privately-run enterprises. We have to admit that not enough has been done in this field, even though the small and medium-sized enterprises play an important role in creating job opportunities. So while we step up regulation and improve our capability to avoid financial risks, we should make sure that the banks provide them with more financing.