新闻热词：不良贷款 nonperforming loans

英语自学网

　　日前，银监会发布数据称，上半年我国银行业不良贷款再次实现双降。截至6月末我国全部商业银行不良贷款余额为12827.2亿元，不良贷款率下降为7.5%，抵御风险能力继续增强。
　　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 by the end of June, down 3.6 percent from the end of last year, the report said.
　　“不良贷款”的常见表达有两种：nonperforming loans或dead loans。就语言色彩而言，nonperforming loans比dead loans更为形象、生动。
　　“不良贷款”指银行在一定期限内不能按期收回的贷款，其原因往往是借款企业因经营不善而导致无力偿还。言外之意，贷出的款项没有起到应起的作用，“钱没能生出更多的钱”，由此，nonperforming(未履行职责的，未完成任务的)恰到好处地道出了“不良贷款”的内涵。
　　另外，再提两个有关贷款的表达：idle loans(呆帐)，overdue loans(逾期贷款)，mortgage loans(按揭贷款)。