核销不良贷款是指2002年实行的出现违约的贷款，分为次级、可疑和损失类贷款，该制度按照贷款的风险程度，将银行信贷资产分为五类：正常、关注、次级、可疑、损失。
深发展对此的解释是“一次性的大额拨备与历史不良贷款核销”导致。
Deep development is to this explanation " one-time big equipment and batch of history are bad loan cancel after verification " bring about.
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.
若下调拨备覆盖率新政落地，对于银行加大不良贷款核销和减缓利润下滑都是个极大的利好消息。
If the New Deal of lowering the provision coverage lands, it will begood news for banks to increase writing off non-performing loans and slow downthe decline in profits.
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