''不良貸款''怎麽說
日前,銀監會發佈數據稱,上半年我國銀行業不良貸款再次實現雙降。截至6月末我國全部商業銀行不良貸款餘額爲12827.2億元,不良貸款率下降爲7.5%,觝禦風險能力繼續增強。
請看《中國日報》相關報道:China's commercial banks reduced their ratio of nonperforming loans to total lending to 7.5 percent by June, amid signs a campaign to improve risk controls may be making progress, the banking regulator reported.
The total value of bad loans fell to 1.28 trillion yuan ($160.6 billion) by the end of June, down 3.6 percent from the end of last year, the report said.
“不良貸款”的常見表達有兩種:nonperforming loans或dead loans.就語言色彩而言,nonperforming loans比dead loans更爲形象、生動。
“不良貸款”指銀行在一定期限內不能按期收廻的貸款,其原因往往是借款企業因經營不善而導致無力償還。言外之意,貸出的款項沒有起到應起的作用,“錢沒能生出更多的錢”,由此,nonperforming(未履行職責的,未完成任務的)恰到好処地道出了“不良貸款”的內涵。
另外,再提兩個有關貸款的表達:idle loans(呆帳),overdue loans(逾期貸款),mortgage loans(按揭貸款)。
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