失业率为20%，不良贷款率在上升。
现在工行的不良贷款率已经降到了2.2%。
我们的不良贷款率在不断下降。
二是高比例的不良贷款率。
在1999年6月，工行的不良贷款率达到47.5%。
In June 1999, the nonperforming loan ratio at ICBC reached 47.5 percent.
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.
桑坦德银行的不良贷款率从2.82%提高到3.37%。
Santander had a non-performing loan ratio of 3.37%, up from 2.82%.
不良贷款率超过了25％，已经严重影响银行的正常经营。
The rate of bad loan up to 25%, it hit the banking system in china.
同时发现，吉林省的中小金融机构面临的主要问题依然是如何降低不良贷款率、提高资产质量。
The main problem facing the small and medium financial institutions are still lowering the rate of non-performing loans and promoting asset quality.
计量结果表明：在全样本和发达国家中，公共征信、私营征信都对不良贷款率有显著的抑制作用。
Measurement results show that a non-performing loan rate is significantly inhibited by public and private credit bureau in the whole sample and developed countries.
四大国有商业银行的现状是低的资本充足率，不容乐观的流动性比例，低的资产收益率和高的不良贷款率。
Four large state-owned commercial Banks are involve in the problems as follows low capital adequacy ratio, low liquidity ratio, low assets revenue ratio and high bad loans.
本文根据2004 ~ 2008年的跨国面板数据，实证分析了征信系统对一国银行不良贷款率的影响。
According to the 2004-2008 cross-panel data, the paper had an empirical analysis that a rate of non-performing loans in a country appears to be readily influenced by credit bureau.
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.
用加权风险资产收益率作为商业银行盈利能力的衡量依据，用不良贷款率和不良贷款的净形成率作为资产质量管理能力的衡量依据。
Return on risk-weighted assets (RORWA) is used to indicate the profitability of banks while non-performing loan rate and non-performing loan forming rate are used to indicate banks'asset quality.
从当前我国银行信贷风险管理情况来看，我国商业银行风险管理水平普遍较低，整个银行体系不良贷款率偏高，远远高于国际警戒线。
Now, The level of our country commercial bank risk manage is widespread and lower, and the bad loan rate of whole bank system is higher, far higher than international warn line.
对总资产净利率及影响因素进行进一步分析。 且通过对于资本充足率、不良贷款率、拨备覆盖进行研究，能够具体分析七家银行的持续性盈利的情况。
There will be futher analysis on the net interest rate of the total assets and the influence factors of it. the net interest rate of the total assets and the influence factors for further analysis.
通过对我国商业银行房地产贷款比率、房地产总产值贡献率、房地产不良贷款率的统计分析，表明我国商业银行信贷集中于房地产业之现象属声誉羊群行为。
By statistical analysis of the loans for real estate and the real estate load accounts for ratio of total load, it is manifested that there are reputational herdings in commercial banks of China.
首先说银行业。在一些欧元区成员国中，特别是塞浦路斯、希腊和意大利三国，银行业的不良贷款率已经达到令人担忧的水平，让人不禁质疑欧洲银行业的抗风险能力。
In the banking sector, non-performing loans are reaching worrying levels in some member states, especially in Cyprus, Greece, and Italy, casting doubts over the resilience of Europe's banking sector.
实际上，早在去年末，他们便已将最小资本充足率从8%提高至10%，并为不良贷款增加了必要的储备。
In fact, they started at the end of last year by raising the minimum capital adequacy ratio to 10% from 8% and increased required provisions for bad loans.
可是，我们在这次危机中也认识到，即使较低的债权比(杠杆率)也不能有效地避免银行的不良贷款。
But as we've just learned in this crisis, a low debt-to-equity ratio doesn't offer any protection against a bank making a bad loan.
可是，我们在这次危机中也认识到，即使较低的债权比(杠杆率)也不能有效地避免银行的不良贷款。
But as we've just learned in this crisis, a low debt-to-equity ratio doesn't offer any protection against a bank making a bad loan.
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