... activity ratio 营运比率 adversely classified credits 不良贷款 asset diversification 资产多元化资产治理 ...
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Their capital mainly comes from high-cost time deposit, which results in poor quality of assets, high rates of adversely classified credits and heavy losses.
其资金主要来源于成本较高的定期储蓄存款； 经营结果表现为资产质量低，不良资产比例高，经营亏损严重。
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