求翻译以下文字，中译英，不要翻译器的，不要直译，尽量准确，谢谢.

Question

中小商业银行，是社会主义市场经济的产物，以1986年交通银行成立为标志，中国四大国有商业银行一统天下的局面被打破，进入了金融主体多元化的时代。20多年来，中小商业银行在市场经济体制改革中稳步发展，所起的作用也引人关注，它既补充了国有银行的市场漏洞，又激活了国家金融体制，现已成为金融体系的重要组成部分。但是让宏观决策担忧的是，中小银行存在资产质量不佳、抗风险能力有限、低效率等主要问题。面对加入WTO带来的市场环境迅速转变，中小银行应当如何进一步壮大自己，去迎接新的机遇和挑战，是放在我国金融业面前的一个重要课题。

Answer 1

中小商业银行，是社会主义市场经济的产物，以1986年交通银行成立为标志，中国四大国有商业银行一统天下的局面被打破，进入了金融主体多元化的时代。
Small and medium-sized commercial Banks, is the product of socialist market economy in 1986, bank of communications, established marked China's four big state-owned commercial Banks to the situation of unify the whole country is broken, entered the pluralism of the financial times.

20多年来，中小商业银行在市场经济体制改革中稳步发展，所起的作用也引人关注，它既补充了国有银行的市场漏洞，又激活了国家金融体制，现已成为金融体系的重要组成部分。
For more than 20 years, the small and medium-sized commercial Banks in the market economic system reform in develop steadily, the role of fetching attention, it is also added the state-owned Banks market, and activated the national vulnerability financial system, has become an important constituent of the financial system.

但是让宏观决策担忧的是，中小银行存在资产质量不佳、抗风险能力有限、低效率等主要问题。
But let macro decision the worry is that the small and medium-sized Banks existing assets quality not beautiful, anti-risk ability is limited, the low efficiency and other major issues.

面对加入WTO带来的市场环境迅速转变，中小银行应当如何进一步壮大自己，去迎接新的机遇和挑战，是放在我国金融业面前的一个重要课题。
Facing WTO brings market environment, and small and medium-sized Banks should rapid transition how to further strengthen ourselves, to meet new challenges and opportunities in China's financial industry, is an important problem in front of.
不是专业搞英语的，谬误很多，不知道能不能帮上你。很多地方还需要修改。

Answer 2

Small and medium-sized commercial Banks, is the product of socialist market economy in 1986, bank of communications, established marked China's four big state-owned commercial Banks to the situation of unify the whole country is broken, entered the pluralism of the financial times. For more than 20 years, the small and medium-sized commercial Banks in the market economic system reform in develop steadily, the role of fetching attention, it is also added the state-owned Banks market, and activated the national vulnerability financial system, has become an important constituent of the financial system. But let macro decision the worry is that the small and medium-sized Banks existing assets quality not beautiful, anti-risk ability is limited, the low efficiency and other major issues. Facing WTO brings market environment, and small and medium-sized Banks should rapid transition how to further strengthen ourselves, to meet new challenges and opportunities in China's financial industry, is an important problem in front of.本回答被提问者采纳

Answer 3

Brief talk on making the ecological design of traditional vernacular dwelling serve the present

【Abstract】For realizing a concrete eco-design, the material and technology are two elements that are unable to be totally ignored.However, high-tech is not the very unique channel to achieve the design.How to controll the "degree" of applying high-tech and whether we can carry out the eco-design via utilizing high-tech moderately are two questions that we should consider seriously. An eco-building with moderate technology achieves its ecological intent by using fewer or even no industrial production technology.We can be inspired from many traditional buildings.Although traditional vernacular dwelling has its "primitive" and "crude" sides and not totally comes up to the modern life style, there are still many accordant ecological thought, design skill and technical measures in traditional and modern construction, which enabled our ancestors to achieve the goals of saving energy and protecting the environment long before. The thesis elementarily discusses the inspiration of traditional architectural technology and thought to the modern eco-achitecture through analysing the traditional ecological design skill.

【Keywords】 traditional vernacular dwelling , ecological design,modern architecture,energy saving,environmental protection

不是专业搞英语的，谬误很多，不知道能不能帮上你。很多地方还需要修改。

参考资料：百度一下