In June 1999, the nonperforming loan ratio at ICBC reached 47.5 percent.

在1999年6月，工行的不良贷款率达到47.5%。

youdao

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.

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。

youdao

China's extraordinary lending boom already is raising the specter of another nonperforming loan crisis like the 1990s.

WSJ: China's Consumption Conundrum

The China Banking Regulatory Commission announced that the nonperforming loan ratio for all banks was 1.14% at the end of last year, but that number hides more than it reveals.

FORBES: Chinese Banks Report Outsized Profits

Central government regulators have, once again, abandoned the goal of improving nonperforming loan ratios in another all-out bid to manufacture growth, so they need money to flow into the banks to support new lending.

FORBES: China Tries to Rescue the Economy, Depositors May Say "No"