坏帐

Overstocking of non-performing assets and bad debts will cause overall financial crisis if initiated by some other factors. Our banking industry will fully open up at the end of 2006, so the commercial banks in our country are facing both challenges and opportunities right now.

金融市场混乱而使不良资产和坏帐积压会因其他因素引发全局性金融危机。2006年底我国银行业将全面对外开放，因此当前我国商业银行，可谓面临的机会与风险并存。

Since then, the state-owned banks have been recapitalized by the government (their bad debts taken over by a separate agency), and prospects for them may now be somewhat brighter, judging from a presentation by Hendrawan Tranggana, managing director of compliance at Bank Rakyat Indonesia.

自那以来，政府已经对国有银行进行了再融资（一个单独的机构接管了它们的坏帐），而且，从印度尼西亚拉克亚塔银行负责投诉的总经理亨德拉旺·特兰嘎纳的发言看，它们现在的前景可能有所改善了。

But unlike U.S. banks that started writing down losses and recapitalizing themselves, the Japanese banks didn't acknowledge having serious problems and instead let bad loans pile up.

但日资银行没有像美国同行那样开始冲减损失、调整自身资本结构，反而不承认自己存在严重问题，任由坏帐越积越多。

The government put up $1 billion to create a "bad bank" that took on First City's bad energy and commercial real estate portfolios; it was able to liquidate those assets over the next 15 years, recouping much of the money it had invested in the bailout.

政府提供10亿美金设立了一个&坏帐银行&来接管休斯顿第一市立国有银行能源和商业地产的不良资产。并在之后的15年里清算出售这些资产来收回之前的救援资金。

Basically the 16 biggest banks have two years to write off their worst bad debts.

十六家主要银行将在两年内销掉坏帐。

Between 1993 and 2000, more than 60 percent of all loans went to these state-owned behemoths.

这个国家闻名的高水平的贷款坏帐告诉我们，投资常常是失败的。

But Japan's regulators for a long while were in cahoots with banks over hiding their bad loans.

而日本的监管者很长一段时间以来则与银行狼狈为奸，共同隐藏坏帐。

Mr Verhofstadt thinks that last autumn Mr Barroso should have proposed such things as a single EU financial regulator, a single European bad bank, or a multi-trillion issue of " Eurobonds" That would have .

费尔霍夫施塔认为，去年秋天巴罗佐就应当开始倡导建立全欧洲统一的财政监管系统或是坏帐收托银行，抑或数以万亿计的&欧盟基金&。

All too often, ill-conceived projects end up as little more than bad debt at state banks.

这些项目通常也让国有银行积累大量坏帐。

The danger, as Willem Sels of Dresdner points out, is a Phase II of the crunch, with bad-debt problems migrating from subprime mortgages to credit cards, auto loans and the leveraged loans issued by private-equity groups.

德利佳华证券信贷分析师Willem Sels指出：这次威胁是信贷危机演变的第二阶段，坏帐问题将由次贷领域蔓延到信用卡、车贷，以及由私募股权集团发行的融资贷款领域。

For a big chunk of credit-card losses; the number of filings (and thus charge-off rates) would be rising again, whether

年美国个人破产法的一个改动使得破产登记急速下降，而后引起了信用卡大规模的亏损。

Eph. 4:23 And that you be renewed in the spirit of your mind

弗四23 而在你们心思的灵里得以更新