并不是说这10万亿元都变成了呆账。
即便是住房贷款的呆账一般也只是出错的一部分。
Even bad home loans in general were only part of what went wrong.
欧洲大陆的一些银行在处理呆账以平衡其收支时拖拉毛病更严重。
Some continental European Banks have been more sluggish in cleansing their balance-sheets.
该救市计划打算挽救那些因呆账而有可能威胁到经济的银行业者们。
The bailout is intended to rescue bankers from bad loans that threaten to derail the economy.
北京的大宗信贷刺激将在很大程度上引发未来的呆账增长，为何如此？
Beijing's massive credit stimulus will almost certainly lead to a future surge in bad loans, but so what?
美国国内的银行如果认为欠债只是短期的，就不会将持有的大量国债视为呆账。
Domestic Banks would not have to classify their sizeable holdings of Treasuries as non-performing if they thought the default short-lived.
二是没有建立严格的赊销政策，缺乏有力的摧收措施，应收款不能兑现或形成呆账。
Two is does not have theestablishment strict selling on credit policy, lacks powerfullydestroys receives the measure, should receive money cannot cash orform the dull account.
这些贷款中不少从未归还。这些呆账最后导致了这个世界上第二经济强国的经济危机。
A lot of those loans were never repaid. That high ratio of bad debts finally led to the financial crisis in this second economic power in the world.
通过对我国金融企业现行呆账处理的会计和税收政策进行分析，就发现其存在的问题。
Passing the analysis of the current accounting and tax policy for bad debit in Chinese financial enterprises, We will discover the existent problems.
这些贷款中不少从未归还。这些呆账最后导致了这个世界上第二大经济强国的经济危机。
A lot of those loans were never repaid. That high ratio of bad debts finally led to the financial crisis in this second economic power in the world.
这和2008年的问题规模不能相提并论，那时呆账是股本的数以倍计而盈利则是全面崩盘。
That is a different scale of problem from 2008, when bad assets were multiples of many Banks' capital and earnings had collapsed.
在税收政策上，宜用注销法代替准备金法确认和扣除企业呆账损失，以体现税收中性原则。
On tax policy scope, to embody the neuter principle of tax, it is suggested that we use Write-off Method to recognize and deduct bad debt losses instead of Provision Method.
商业银行也应尝试以各种新的形式，包括通过清收、拍卖、呆账核销等方式积极处置不良贷款。
Commercial Banks should also try various new methods to actively dispose bad loans, including clearing up loans, vendue, write off bad debts and so on.
虽然存在大量的呆账，但存贷利率差价如此之大，给任何表面上守信用的银行都提供了盈利空间。
This is an unchangeable fact. Despite the abundant bad debts, there is still profit space left for the seemingly credit-worthy banks.
第六十条商业银行应当建立、健全本行对存款、贷款、结算、呆账等各项情况的稽核、检查制度。
Article 60 Commercial Banks shall establish and perfect their own systems for examination and inspection of deposits, loans, settlements, doubtful accounts, etc.
造成这种情况的原因之一是日本允许呆账注销，鼓励银行将优质资金注入僵尸公司以使其继续维持运营。
One reason was that Japan allowed bad debt to fester and encouraged Banks to throw good money after bad in keeping zombie companies alive.
通过加强对企业经营的监管和严格控制款项用途等手段，我国商业银行贷款呆账率明显下降，盈利增加。
Business by strengthening supervision and strict control over use of funds and other means, our bad debt rate of commercial bank loans decreased, increased profits.
房地产过高估值和长期大量的金融抵押贷款给金融机构带来越来越多的呆账坏账，影响了金融机构的真实资产。
Excessive overestimation and long time financial mortgage loan bring the financial institution more and more bad debt loss in the future, which influence the financial institution 'real property.
以日本为例，90年代大部分年年份里日本对“毫无生气”的公司提供的贷款都成了呆账，从而导致经济低迷。
Look at Japan, where the economy was sunk for most of the 1990s by stagnant loans to "zombie" companies.
尽管银行呆账总量在上升，特别是信用卡方面的呆账，但整个金融系统运行正常，贷款再次启动——只不过要付一定的代价。
But the financial system is solid, and credit is available again—at a price.
对贷款的会计处理和计提呆账准备金的实践是银行业管理和控制风险的基本要素，财政部已多次颁布了有关的管理办法。
Dealing account and drawing bad debt provision are all basic essential factors for bank to control risks. The Ministry of Finance has promulgated several Provisions on Loan Loss Reserves.
爱尔兰和德国筹建了“坏账银行”，将呆账坏账转移到公共部门。上世纪90年代，瑞典和韩国运用此法成功摆脱国内经济危机。
Ireland and Germany have set up "bad Banks" to shift bad loans to the public sector, as Sweden and Korea successfully did after their respective crises in the 1990s.
美银与“两房”还有许多方面需要讨价还价的。“两方”，房利美和房地美，处理是呆账担保和个人债券保险业务的房地产金融机构。
BofA still has lots of haggling to do with Fannie Mae and Freddie Mac, the housing-finance agencies that guaranteed piles of duff loans, and with private bond insurers.
美银与“两房”还有许多方面需要讨价还价的。“两方”，房利美和房地美，处理是呆账担保和个人债券保险业务的房地产金融机构。
BofA still has lots of haggling to do with Fannie Mae and Freddie Mac, the housing-finance agencies that guaranteed piles of duff loans, and with private bond insurers.
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