贷款组合风险是商业银行的主要风险，由于贷款组合分配失误造成的新增不良贷款不断产生，是我国目前银行业面临的主要问题。
Loan portfolio risk is the main risk of commercial Banks. The nonperforming loan caused by the loan allocation mistakes, is the main problem of Chinese Banks industry.
从那以来，工行将新增贷款的不良贷款率保持在1.7%。
Since then, ICBC has kept its nonperforming ratio for new loans to 1.7 percent.
当我在2002年被任命为总裁后，我最先作出的决定之一就是工行必须确保新增贷款的不良贷款率在2%以内。
After I was appointed president3 in 2000, one of the first things I decided was that we must hold the nonperforming ratio for new loans to less than 2 percent of assets.
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