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.

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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.

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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.

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