不良貸款余額英語

『壹』 跪求翻譯。。急！

2, graally withdraw the policy, if not control the rhythm, can lead to relatively big fluctuations in credit.

U.S. Federal Reserve Chairman Ben Bernanke recently has been the current loose monetary policy emphasizes how out to strengthen the global financial market confidence in the dollar. China's economic recovery earlier than the U.S. economy bottomed out, so also face similar problems, such as anti-crisis extraordinary expansion of the proactive fiscal policy and loose monetary policy to moderate graally back to a moderately easy monetary policy, the entity After recovery, economic stability, moderately easy monetary policy to smooth return to a neutral monetary policy, as well as in the real economy showed price pressures in time of monetary policy shifted from tight monetary policy, are bound to be some time to come facing a major adjustment. In this transformation process, involving the recovery of the real economy to judge the extent and complexity of the trend, if the policy out of control the intensity and pace of misconct, the banking system could lead to volatility in the credit markets. The same time, expansionary policies since 2009, the Characteristics, the flow of credit is concentrated in the longer term large-scale infrastructure, small room for monetary policy adjustments, e to the launch of the project in 2009 to see the 2010 and subsequent years credit growth is unlikely to fall substantially and compression occur, in order to avoid uncompleted projects and other issues.

3, the structure of the banking sector in financing high proportion of indirect financing to bear the bulk of economic fluctuations.

China's current financing structure, the proportion of indirect financing is very large, very small proportion of direct financing, since 1992, the proportion of indirect financing average of more than 80%. First half of 2009 credit 7.36 trillion, up 4.9 trillion yuan more than the increase, accounting for 86.9% of the entire financial market, comparatively speaking, corporate bonds, government bonds and stocks accumulated first half of 2009 accounted for only 13.1% of the financing market. After this round of high-speed credit and strengthen the banks in the financing structure of the position, making the commercial banking system, in fact, faced with greater systemic risk, but also makes the economic cycle, fluctuations in financial markets can not be effectively distributed to on.
4, the local government investment and financing platform to highlight the potential risks.
In the body of high credit to speed up the city into a major investment leads, investment and financing platform for the local government is one of the most active financial subjects, including local government investment company set up in urban construction, urban development company, Urban Asset Management Corporation . Since the end of 2008 since the amount of local investment and financing platform for rapid development and financing of the scale of present trends, according to preliminary statistics, the country has close to 4000 levels of government investment and financing platform in early 2008, various investment and financing platform for a total of more than 10,000 debt billion in 2009, then rose rapidly to 5 trillion, most of which came from bank loans, these loans mainly medium and long term loans. Such a fast credit growth, not only increased the debt burden of local governments, and the loans are concentrated in the relatively long recovery period in the field of infrastructure, but also increases the risk of loan concentration. From the trend, several times in the previous large-scale infrastructure investment in local government borrowing for investment by the end bring the city can increase the value of previous loan repayment, including the city's investment environment improvement and land value value and so on, where this time the repayment ability of the investment and financing platform, in fact, depends on the medium-term urbanization process in China brought about investment opportunities and asset revaluation market opportunities.
5, intensified economic restructuring, asset quality pressures facing the test.
Although at the end of 2009, 6, China commercial banks continue to "double down" non-performing loans 518.13 billion yuan, reced 42.18 billion yuan over the beginning; non-performing loan ratio 1.77%, down 0.65 percentage points over the beginning, but as the Chinese economy Under the impact of the recovery in the crisis stabilization, macro-policy decision-makers will inevitably shift the focus from restructuring to stimulate the economy, including the adjustment of instry overcapacity, as well as instry-specific adjustments. From a macro trend, China's economy is facing competition from foreign demand, dominated by the process of expanding domestic demand shift, the middle facing many instries and reallocation of resources, and ability to grasp the risks of the test bank.

『貳』 請問：不良貸款余額是指貸款余額還是敞口余額如果是承兌匯票不良呢

不良貸款余額是已經進入不良業務的貸款余額
承兌匯票不良，要按照劃分，理論是進入不良資產科目，而不是進貸款科目

『叄』 不良貸款余額與不良貸款兩個名詞有無區別

有，不良貸款是指某筆貸款，不良貸款余額是指某筆貸款的不良金額

『肆』 怎麼從財務報表中查看不良貸款余額

財務報表中無法看出，需從徵信報告上來看。
如果財務報表是經過審計的可以從審計報告里看。
如果財務報表未經過審計那裡面的數據也沒多大參考意義

『伍』 不良貸款累計發生額怎麼計算

不良貸款累計發生額是指一定時期(月、季、年內，出現不良貸款的累計額，不包括期初不良貸款余額。

不良貸款累計發生額的計算公式為：

期內不良貸款累計發生額=期內每日實際不良放貸款額累計數

統計期內不良貸款累計發生額，可以反映一定時期內實際發放貸款的不良。

不良貸款是逾期貸款、呆滯貸款和呆賬貸款的總稱。逾期貸款指借款合同約定到期 (含展期後到期) 未能歸還的貸款，呆滯貸款是逾期 (含展期後到期) 超過規定年限以上仍未歸還的貸款，或雖未逾期或逾期不滿規定年限但生產經營已終止，項目已停建的貸款; 呆賬貸款是按有關規定列為呆賬的貸款。不良貸款預示著銀行將要發生風險損失。把不良貸款減少到最低限度，是商業銀行風險管理的首要目標。

『陸』 誰能找到2010-2019銀行業金融機構不良貸款余額數據

沒法看，除非找律師才能查到！反應這家金融機構有沒有實力，現象？實際現象是他們的余額都不多，因為稅多，所以都從其他渠道放款！

『柒』 銀行不良貸款余額什麼意思為什麼叫余額

我是農行的，不良貸款余額就是指你還有多少不良貸款沒有換上，望採納

『捌』 不良貸款余額是什麼

按五級分類,次級/可疑/損失類貸款為不良貸款,不良貸款余額就是這些貸款的余額

『玖』 不良貸款余額/率這句話怎麼讀

余額和概率