Measurement results show that a non-performing loan rate is significantly inhibited by public and private credit bureau in the whole sample and developed countries.

计量结果表明：在全样本和发达国家中，公共征信、私营征信都对不良贷款率有显著的抑制作用。

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Return on risk-weighted assets (RORWA) is used to indicate the profitability of banks while non-performing loan rate and non-performing loan forming rate are used to indicate banks'asset quality.

用加权风险资产收益率作为商业银行盈利能力的衡量依据，用不良贷款率和不良贷款的净形成率作为资产质量管理能力的衡量依据。

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This distribution, combined with efficient collection systems has resulted in a non-performing loan rate of 5.5% as of Sept. 30, which is actually an improvement over the 12.3 % from the year prior and well below the consumer finance banking average in Mexico.

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