到2008年末，不良贷款比率降到了2.5%。
Nonperforming loans were brought down to 2.5% by the end of 2008.
我国商业银行信贷资产质量低下，不良贷款比率高，已经成为我国金融风险的最大隐患。
The lower quality and highly bad loan of credit assets in the commercial bank of our country has became the most hidden trouble of financial risk.
因此本文将被剥离的不良资产重新计入不良资产余额，并重新计算不良贷款比率，以使模型的回归结果更加贴近现实。
This paper recalculate the non-performing assets included the stripped assets and compute the modified default rates, hopping the regression results of the model would be more realistic.
我国分别在2005年和2008年进行了两次大规模的不良资产剥离，使商业银行的不良贷款比率大幅下降，但这样的数据有人为操纵之嫌。
China has conducted two large scale non-performing assets stripping in 2005 and 2008 respectively, make the default rates of banking system fell sharply, but this data should be suspected.
根据一个常用的指标，所谓的德克萨斯州的不良贷款占总资产的比率来测量，还有49家佐治亚的银行，大约六分之一，在面临威胁。
By one commonly used measure, the so-called Texas ratio of bad loans to total assets, 49 other Georgia Banks, about one in six, are in imminent danger.
通过对我国商业银行房地产贷款比率、房地产总产值贡献率、房地产不良贷款率的统计分析，表明我国商业银行信贷集中于房地产业之现象属声誉羊群行为。
By statistical analysis of the loans for real estate and the real estate load accounts for ratio of total load, it is manifested that there are reputational herdings in commercial banks of China.
通过对我国商业银行房地产贷款比率、房地产总产值贡献率、房地产不良贷款率的统计分析，表明我国商业银行信贷集中于房地产业之现象属声誉羊群行为。
By statistical analysis of the loans for real estate and the real estate load accounts for ratio of total load, it is manifested that there are reputational herdings in commercial banks of China.
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