问题: 非常感谢你的帮助，我还有一个问题不知道怎么翻译合适
和其他工业国家相比，美国是一个例外。在90年代之前，它对银行业的竞争有着完全不同的理解，对银行扩张和对外投资的严格限制，使得银行体系结构非常分散。
The Unite States is an exception unlike other industrialized countries. It had a completely different competition concept in the banking industry before 1990s, the rigid restriction in the aspects of expansion and investment made banking system structure very dispersed.
这里面的had a completely different competition concept 和 the aspects of expansion 总觉得很奇怪，但是还不知道哪里有问题。
同样还有这句：
面对机遇和挑战，我国的商业银行应该怎么应对？
What should our domestic banks do to face the challenges and also the good fortunes?
请帮我改正，谢谢！
解答:
理解 可否改为 理念或观念。
1） Unlike other industrialized countries， The Unite States is an exception.
2） It had a completely different competition concept in the banking industry before 1990s. its rigid restriction on expansion and investment (in other industries) by the banking industry made banking system structure very dispersed.
3） What should our domestic commercial banks do to face (the co-existance situation of )opportunities and challenges?
括号内可删以求精简
decentralization分散
food restriction on this increase in food intake was also highly significant....
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