Now ICBC’s bad loan ratio has been reduced to 2.2 percent.
现在工行的不良贷款率已经降到了2.2%。
It also reduced the bank's official bad loan ratio from 11.4 per cent when it bought in to about 0.6 per cent by the end of last year.
它还将该行的官方不良贷款比例，从买入时的11.4%，降至去年底的约0.6%。
In addition, the loan reviewer needs to have even more detailed customer data, like transaction history and customer credit information, in order to reduce the company's bad loan ratio.
此外，贷款复核人员需要更为详细的客户资料，如事务历史和客户信用信息，以降低公司的坏帐率。
But as we've just learned in this crisis, a low debt-to-equity ratio doesn't offer any protection against a bank making a bad loan.
可是，我们在这次危机中也认识到，即使较低的债权比(杠杆率)也不能有效地避免银行的不良贷款。
But as we've just learned in this crisis, a low debt-to-equity ratio doesn't offer any protection against a bank making a bad loan.
可是，我们在这次危机中也认识到，即使较低的债权比(杠杆率)也不能有效地避免银行的不良贷款。
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