请求英语水平好的朋友帮忙翻译一段话，感激不尽~！

With China's rapid economic growth, the cost of housing, the housing hotspots to financial also has been developed rapidly in China, especially the land use system and housing system reform, the implementation of real estate development gradually towards marketization and industrialization. Personal housing loan to the risk of small, interest income derived from potential market and stable, benefit etc gradually become Banks compete in one of the important profit field. However, with the individual housing loan business loans offered extensions of the time, the total increase, and the negative effects, our country commercial bank individual housing mortgage has entered the risk. Based on current housing mortgage market compared with America, objectively analyzed our personal housing mortgage loan business potential risks, and the experiences of the subprime crisis, pertinently put forward effective measures to prevent risks and countermeasures of commercial Banks in China, further improve the management and to avoid similar crisis in our country.

With China's rapid economic growth, the hot gradually shift costs of housing, real estate finance has also been developed rapidly, especially in China's land-use system with the implementation of the reform of housing system, and gradually move toward market-oriented real estate development and industrialization. Of individual housing loans for its risk, interest income stability, market potential and derivative benefits become obvious advantages such as banks compete to enter the key profit areas. However, with the individual housing loan business start-up time, an extension of the total loans increased, its negative effects have also been seen, China's commercial banks personal housing mortgage loans have entered the period of high risk. Article on the current China's housing mortgage loan market, compared with the United States, an objective analysis of China's personal housing mortgage loan business there is the potential risks and learn from the sub-prime crisis, the lessons learned in a targeted manner to introduce effective risk prevention measures and countermeasures to further enhance the operation and management of China's commercial banks to avoid similar crises in our country staged