according to my opinion meaning in English

表示"根据我的意见

According to my opinion , using other ' s credit card should involve cheating banks
笔者以为除了冒充使用外，还应有欺骗银行的行为。
But she is more blessed if she so remains , according to my opinion ; but i think that i also have the spirit of god
40然而，按我的意见，她若守节更是有福；但我想我也有神的灵了。
According to my opinion , firstly , the four banks must accelerate their reforms of ownership , establish good corporate governance framework and ensure the well performance of the mechanism ; secondly , the four banks must accelerate their steps on decrease the ratio of their bad assets and do great endeavors to develop the medium businesses and improve the structure of their business incomes ; thirdly , their must learn from the foreign banks and grasp the advanced measures of interest rate risks management
笔者认为，四大银行首先要加快产权改革步伐、建立良好的法人治理结构并确保公司治理机制的良好运行；其次，四大银行应该加快降低资产不良率，努力发展中间业务并改善经营收入结构；第三，它们必须向外国银行学习并掌握先进的利率风险管理方法。