呆帐

Analysts estimate that banks in China this year were writing off 2% to 3% of their credit card loans, less than half of the July charge-off （把—作为损耗注销,冲销,销账）rate of 6.6% in the U.S.

分析家估计今年中国银行注销了2%到3%的信用卡债务，不到美国7月6.6%呆帐率的一半。

The article tries to use personal fiduciary loan among consume finance product. To focus on customers of this product by data collection, analyze customer's credit risk, default risk...etc., in order to assist loan decision and minimize the chance for loan to become bad debt.

本文拟就消费性融产品中个人信用贷款，针对此产品的客户，藉由资的收集，分析其信用风险与违约风险，以帮助授信决策，低贷款案件成为呆帐的机。

The depression, however, caused many irrecoverable accounts and Dr.

然而经济萧条造成许多呆帐，他也因此负债累累。

As a result, there is a disturbing level of nonperforming loans in the portfolios of China's state-run banking system.

因此，中国国有银行系统中存在着令人担忧的大量呆帐。

Approximately 40 percent of the increase in loans during the last credit boom subsequently became nonperforming.

上一个信贷繁荣期间增加的贷款中大约有40%最终成了呆帐。

They therefore have reduced the government's involvement in the banks' allocation of credit and have created four asset management companies to deal with the nonperforming loans.

因此，他们已经减少参与对银行的信贷配置，并且成立了四家资产管理公司，处理成了呆帐的贷款。

But up to now, the accrued methods of reserve for bad loans in commercial banks both at home and abroad all should be accrued according to certain percentage of loan balance and the accrued methods of reserve for bad debts are not precisely linked with expected losses of risk assets in commercial banks.

但是，到目前为止，国内外商业银行呆帐准备金的提取方法都是按贷款余额的一定比例提取，没有与商业银行风险资产的预期损失精确挂钩。

In author's opinion, in theory and practice, the risk management through capital allocation for commercial banks both at home and abroad at present does not clearly define risk prevention functions of reserve for bad loans, capital adequacy ratio and deposit insurance system and does not use clear and quantitative theory model to guide the recognition of reserve for bad debts, capital adequacy and deposit premium ratio, especially without reasonable basis and model to support the management of 8% capital adequacy ratio for commercial banks by analysis of current condition of risk management for commercial banks both at home and abroad.

上述分析表明，目前国内外商业银行在资本配置风险管理中没有清晰地界定呆帐准备金、资本充足率和存款保险制度的风险防范功能，没有用清晰的、定量的理论模型来指导呆帐准备金、资本充足率、存款保险费率的确定，特别是商业银行8％的资本充足率管理没有理论依据和模型支持。

Uncollectible loans are generally thought to exceed 20% of all lending.

外界普遍认为该行的呆帐超过了其贷款总额的20%。

UFJ financial holdings Inc. was also unable to deal with large bad debts and sought to merge with Mitsubishi-Tokyo financial group to solve the management crisis. MTFG longed for increasing the domestic and off-shore blanches to make more profits and catch up with American and European financial groups after solving bad debts problem and maintaining sound capital adequacy ratio.

UFJ金融控股集团则因为无法有效解决呆帐问题，而企图与体质健全的三菱东京金融集团合并，以解决其经营危机；三菱东京集团在解决呆帐问题、维持健全的资本适足率后，亟欲扩大国内外分行规模，转向追求高收益能力、以同欧美大型金融集团竞争。

But we don't care about Battlegrounds.

但我们并不在乎沙场中的显露。

Ah! don't mention it, the butcher's shop is a horror.

啊！不用提了。提到肉，真是糟透了。