Low level of credit risk control is the major reason that results in credit risk.
 

商业银行信贷风险管理水平的低下是信贷风险产生的主要原因。
 

2.cyber-attack 网络攻击
 

America, as the country most reliant on computers, is probably most vulnerable to cyber-attack.
 

美国，作为最依赖计算机的国家，也是最容易遭受网络攻击的国家。