我国国有商业银行传统的信贷管理制度未能对信贷人员的代理行为形成有效的约束，从而导致了大量银行坏帐的产生。
There is no effective constraint to the credit in the Chinese traditional credit management systems, which result in the enormous bad debt and low quality assets of the state-owned commercial bank.
如果这样，更多的将是必要的，据说巴拉克·奥巴马的团队将建立一个坏帐银行以容纳不良贷款，并将更多资本注入银行。
More will be necessary if, as is rumoured, Barack Obama's team creates a bad bank to take on troubled loans and puts more capital into Banks.
而日本的监管者很长一段时间以来则与银行狼狈为奸，共同隐藏坏帐。
But Japan's regulators for a long while were in cahoots with Banks over hiding their bad loans.
她说，美国的投资银行做出了过度的贷款，制造了一个房地产泡沫，并且导致借贷者因为坏帐而出现资不抵债的现象。
She says American investment Banks have made excessive loans, which created a real estate bubble and made the lenders insolvent on bad debt.
一些经济学家还担心，新贷款猛增会令银行背负更多贷款坏帐。
Some economists also worry that the spate of new lending will burden Banks with more bad loans.
管2008年第四季度息差不断下降，坏帐准备金显著提高，但中国四大银行去年可能仍将实现利润增长，令它们的西方同行相形见绌。
China's four big Banks are expected to report profit increases for 2008, outshining their Western peers despite falling interest margins and increased provisioning in the fourth quarter.
坏帐银行的数额着实在上升。
当泡沫破灭时，各家银行将坐拥巨额坏帐。
When the bubble bursts, the Banks will be sitting on a huge amount of bad debt.
面临近期在资本募集遇到的困难，银行将通过收紧贷款对抗进一步的坏帐注销(write - offs)局面，而这些措施将给经济带来更大压力。
Given their recent difficulties in raising capital, Banks might react to further write-offs by being even more conservative in their lending, putting greater pressure on the economy.
坏帐和其他问题押注的集合，它们导致银行巨额亏损、促成信贷危机、令经济陷入衰退(2008年9月至2009年5月)。
A collection of bad loans and other botched financial bets that caused big losses for Banks, prompted a credit crunch and sank the economy (Sept. 2008 to May 2009).
“坏帐银行”则继承了原银行的不良资产和剩余的资本——资产标价降低后，资金自然会有所不足。
The "bad bank" inherits the bad assets and the rest of the capital - which, after appropriate markdowns of the assets, will not be enough.
对于银行网点较少，合法经济雇佣人数很少的尼日利亚来说，这有点过头了，如今银行的三分之一的资产沦为坏帐。
With small branch networks and relatively few people in the formal economy, this was too much.About a third of the system by assets is now distressed.
在经历了本世纪头几年痛苦而缓慢的调整后，日本银行业终于清理干净了自己的如山坏帐，而日本企业经过重组也重新恢复了活力。
After years of painfully slow progress earlier this decade, the nation's banks finally cleaned up their mountains of bad debt and companies restructured to regain their health.
与其建立一个“坏帐银行”将“有毒资产”从银行的负债表中剔除出来，财政部还是决定将自己变成实际上的灾难保险公司。
Rather than setting up a "bad bank" to take these toxic assets off the Banks' balance-sheets, the Treasury has decided to turn itself, in effect, into a catastrophe insurer.
我们的银行体系强大，本地注册银行的资本充足比率平均为17%，而坏帐比率则低于2%。
Our banking system is strong, with capital adequacy ratios of locally incorporated Banks averaging 17% and bad debt ratios of less than 2%.
人们担心一旦经济增长导致的泡沫经济爆发，银行将会被坏帐所累。
Concerns are mounting that the boom could cause property bubbles that weigh down Banks with bad debt when they burst.
朱女士计算出，在未来两年，如果银行系统未偿信贷的十分之一变质，趋向坏帐，所有利润，以及系统股本的39%将消失。
Ms Chu calculates that if a tenth of the banking system's outstanding credit turns sour over the next two years, all profits and 39% of the system's equity will be wiped out.
此举引发了短期反弹，但它并没有解决根本问题：瑞士信贷银行上周表示，坏帐可能高达60%的银行股权。
The move triggered a short rally, but it did not solve the fundamental problem: Credit Suisse last week said that bad debt could be as much as 60% of bank equity.
此举引发了短期反弹，但它并没有解决根本问题：瑞士信贷银行上周表示，坏帐可能高达60%的银行股权。
The move triggered a short rally, but it did not solve the fundamental problem: Credit Suisse last week said that bad debt could be as much as 60% of bank equity.
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