请问大家"不良贷款"一词的英文

“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）。

不良贷款 Non—performing loan

bad loan
呆帐, 过期未还的贷款

不良贷款:

1. non-performing loan

不良贷款:
1. non-performing loan
2. adversely classified credits
3. non-performing loans

For 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 a