Ever since the 1997 asia financial crisis , especially after the september 11th terrorist attack and argentina financial turmoil , international economic and financial plight has been increasingly subject to the potential dishevelment . although great achievements have been made in the chinese financial reform and innovations in chinese banking systems , problems still exist and prevail . moreover , china ' s economic transition and its misfit at the initial stage of wto membership are very likely to further catalyze the occurrence of banking risks 11 ”事件及阿根廷金融危机后，国际经济、金融形势日趋严峻，尽管我国金融体制改革、银行制度变革取得了一些成就，但国有商业银行存在的问题依然很多，经济体制转轨和入世初期的不适应，进一步加大了银行风险发生的可能性，金融风险和危机问题对我国来说已经十分现实，威胁就在身边。
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Suppose in the office , your account file just put on the table , your report also put on your desk dishevelment , when your boss asked some information for him , you really could not report to him at once , your boss maybe asked you , why your filing system is so disorderly , what did you do every day 请学员设想一下，在办公室，你的客户档案就放在桌上，你的销售报告也杂乱的放在上面，当你的老板问你要一些信息时，你真的不能马上拿出来给他，你的老板也许会问你，为什么你的档案整理这样乱，你每天都做了些什么？
