日前，銀監(jiān)會(huì)發(fā)布數(shù)據(jù)稱，上半年我國銀行業(yè)不良貸款再次實(shí)現(xiàn)雙降。截至6月末我國全部商業(yè)銀行不良貸款余額為12827.2億元，不良貸款率下降為7.5%，抵御風(fēng)險(xiǎn)能力繼續(xù)增強(qiáng)。

請看《中國日報(bào)》相關(guān)報(bào)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(dá)有兩種：nonperforming loans或dead loans。就語言色彩而言nonperforming loans比dead loans更為形象、生動(dòng)。

“不良貸款”指銀行在一定期限內(nèi)不能按期收回的貸款，其原因往往是借款企業(yè)因經(jīng)營不善而導(dǎo)致無力償還。言外之意，貸出的款項(xiàng)沒有起到應(yīng)起的作用，“錢沒能生出更多的錢”，由此，nonperforming（未履行職責(zé)的，未完成任務(wù)的）恰到好處地道出了“不良貸款”的內(nèi)涵。

另外，再提兩個(gè)有關(guān)貸款的表達(dá)：idle loans（呆帳），overdue loans（逾期貸款），mortgage loans（按揭貸款）。