不良贷款余额英语

『壹』 跪求翻译。。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.

『贰』 请问：不良贷款余额是指贷款余额还是敞口余额如果是承兑汇票不良呢

不良贷款余额是已经进入不良业务的贷款余额
承兑汇票不良，要按照划分，理论是进入不良资产科目，而不是进贷款科目

『叁』 不良贷款余额与不良贷款两个名词有无区别

有，不良贷款是指某笔贷款，不良贷款余额是指某笔贷款的不良金额

『肆』 怎么从财务报表中查看不良贷款余额

财务报表中无法看出，需从征信报告上来看。
如果财务报表是经过审计的可以从审计报告里看。
如果财务报表未经过审计那里面的数据也没多大参考意义

『伍』 不良贷款累计发生额怎么计算

不良贷款累计发生额是指一定时期(月、季、年内，出现不良贷款的累计额，不包括期初不良贷款余额。

不良贷款累计发生额的计算公式为：

期内不良贷款累计发生额=期内每日实际不良放贷款额累计数

统计期内不良贷款累计发生额，可以反映一定时期内实际发放贷款的不良。

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。

『陆』 谁能找到2010-2019银行业金融机构不良贷款余额数据

没法看，除非找律师才能查到！反应这家金融机构有没有实力，现象？实际现象是他们的余额都不多，因为税多，所以都从其他渠道放款！

『柒』 银行不良贷款余额什么意思为什么叫余额

我是农行的，不良贷款余额就是指你还有多少不良贷款没有换上，望采纳

『捌』 不良贷款余额是什么

按五级分类,次级/可疑/损失类贷款为不良贷款,不良贷款余额就是这些贷款的余额

『玖』 不良贷款余额/率这句话怎么读

余额和概率