poorly structured loan
... pending factor未决因素 poorly structured loan结构不合理贷款 problem loans有问题贷款 ...
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利率水平和利率结构不合理主要表现在：利率水平处于历史最低点，存贷款利差不断缩小。
The interest rate level and the rate structure unreasonable mainly display in: The interest rate level is in the historical bottom, saves the loan spread to reduce unceasingly.
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