落落晓婷
不良贷款: 1. non-performing loan2. adversely classified credits3. non-performing loansFor a long time, China's loan quality is divided into normal and unsound categories in terms of the time limit. 长期以来，中国银行按期限将贷款质量划分为正常贷款和不良贷款。The five-category loan quality classification method will be applied on an overall basis. Assets management companies (AMCs) will be gradually set up and substantially reduce the proportion of NPLs. 全面推行贷款质量五级分类方法，逐步成立金融资产管理公司，大幅度降低不良贷款比例。We should practice the five-category assets classification for bank loans and gradually set up financial assets management companies to handle the non-performing loans now held by banks. We should implement a strict responsibility system for the quality of new bank loans. 推行贷款质量五级分类办法，逐步建立金融资产管理公司，负责处理银行原有的不良信贷资产，对银行新增贷款质量实行严格的责任制。Financial assets management companies shall be established in the state-owned commercial banks to process bad assets by law and transfer the debts into shares for the bank loan of some enterprises. This is a very important measure to eliminate financial risk and relieve the burden of enterprises. 在国有商业银行组建金融资产管理公司，依法处置不良资产，对部分企业的银行贷款实行债转股，是化解金融风险，减轻企业负担的重大举措。Loans on favorable terms优惠贷款To furnish credit to.贷款，提供贷款agricultural loan农业贷款
玥玥285966231
“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）。
