不良贷款是逾期贷款、呆滞贷款和呆账贷款的总称。逾期贷款指借款合同约定到期 (含展期后到期) 未能归还的贷款,呆滞贷款是逾期 (含展期后到期) 超过规定年限以上仍未归还的贷款,或虽未逾期或逾期不满规定年限但生产经营已终止,项目已停建的贷款; 呆账贷款是按有关规定列为呆账的贷款。不良贷款预示着银行将要发生风险损失。把不良贷款减少到最低限度,是商业银行风险管理的首要目标。
不良贷款率 NPLR ; Bad Loan Ratio ; NPL Ratio ; BLLP
不良贷款历史 poor credit history
核销不良贷款 to write off non-performing loans
取消不良贷款 write off non-performing loans
贷款才变成不良贷款 non-performing loan ; NPL
不良贷款形成率 New NPL Formation Ratio
清算不良贷款 Liquidation of bad loans
不良贷款拨备覆盖率 NPL Provisioning Coverage Ratio
清除不良贷款的团队 Clearing bad loans team
日本各家银行处于困境,缘于不良贷款以及股市的暴跌。
Japan's banks are in trouble because of bad loans and the stock market plunge.
这一行为引起了一些意外,因为人们普遍认为,背负着大量不良贷款的这家银行正处于崩溃的边缘。
This activity has occasioned some surprise since it is widely believed that the bank, carrying a large number of bad loans, is on the brink of collapse.
失业率为20%,不良贷款率在上升。
Saving and Loan Associations were making bad loans, especially in Texas, but in lots of other states as well -this is when Ronald Reagan was President.
当时储蓄贷款协会出现了不良贷款,尤其在德克萨斯州,不过在其它很多州也同时出现了...,当时的总统是罗纳德·里根
So, they had an unfortunate incentive to make bad loans.
因此他们投机取巧不断放出不良贷款
But the FSLIC wasn't; it was sleeping at the switch, so it allowed banks in the United States -it was primarily Savings and Loans who did this -to make bad loans and they were playing this moral hazard game.
但是FSLIC没有如此,制度变换初期他们对一切放任不管,于是这让美国的银行...,主要指的是那些储蓄贷款机构...,发放不良贷款,他们开始参与这项充满道德风险的游戏
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