然后，利用马尔可夫链状态转移矩阵对商业银行逾期贷款进行分析与预测。
Then, this paper USES Markov transition matrix to analyze and forecast the overdue loan.
由于贷款管理上的漏洞，从1997年末开始，分行出现了大量的逾期贷款。
Resulted from the problems of credit management, many overdue credits occurred from the end of the year 1997.
商业银行采用以贷还贷的方式清收逾期贷款，在目前商业银行贷款业务中非常普遍。
As a way of handling the overdue loans, the contract of Repaying loan with loan (hereinafter referred to as the RLWL) is very common in the loan business of commercial Banks.
作为冲销的领先指标，至少逾期30天的贷款减少至2.7%。
Loans at least 30 days overdue, a leading indicator for write-offs, fell to 2.7 percent.
这些人士表示，这一简化修订举措将针对那些逾期90天以上的贷款。
The streamlined effort will target certain loans that are 90 days or more past due, these people said.
在抵押贷款族里，有6%未按期付款，而次级贷款里则有17%逾期。
Among all mortgage borrowers, 6% are behind on their payments; among subprime borrowers, 17% are in arrears.
就房地美而言，截至2010年三月底其2008年度放贷额中已有3.9%的贷款逾期未付超过90天。
At Freddie Mac 3.9% of mortgages originated in 2008 were at least 90 days delinquent at the end of March 2010.
逾期支付的减少，可能将帮助放款人通过减少用于未来贷款损失的储备来维持盈利。
Declining late payments may allow lenders to buttress profit by reducing reserves for future loan losses.
估计按揭贷款拖欠率（逾期还款60日及以上）比2007年同期上涨了54%。
Mortgage-loan delinquency (ratio of borrowers 60 or more days past due) has risen approximately 54 percent from the same quarter of 2007, estimates TransUnion.com.
房地美说，其持有或担保的所有单户抵押贷款中，逾期达到90天或更长时间的贷款占到了其中的2.4%。
Freddie said 2.4% of all single-family mortgages it owns or guarantees are 90 days or more overdue.
现在，借款公司在想尽办法收回透支贷款，但是很多逾期者根本不愿偿还，因为他们相信只要长期撑下去，他们的债务就会被一笔勾销。
Now, lenders are struggling to retrieve their advances but many defaulters are reluctant to pay because they believe their debts will be written off if they hold out long enough.
“逾期利率”指贷款协议书所载适用于逾期缴款或任何超逾信贷限额款项的利率。
"Overdue charge rate" means the rate of interest which applies to overdue payments or any amount owing in excess of a limit as set out in Loan Agreement.
贷款利息也可以包括年费、逾期付款费用，超过限制的费用。
Interest on loans may as well include annual fees, late payment fees, and over limit charges.
近年提出的贷款风险五级分类法，需考虑财务、非财务、现金流量、信用支持及逾期时间等诸方面要素的影响。
Loans risk classification involves some essential factors, such as financial element, non financial element, cash flow, credit support, overdue time.
其中几乎一半是“伤心”甩卖——比如，卖主房贷逾期还不上，或者贷款方进行回购。
Almost half of these were "distressed" sales-ie, by borrowers with overdue loan payments, or of homes repossessed by lenders.
此贷款已发行的本金金额和此贷款协议下的任何其他义务(包括逾期的利息支付)将以年利率9.5%的利率计息。
The outstanding principal amount of the Loan and any other obligations under this Loan Agreement shall bear interest at the annual rate of 9.5% until paid.
在逾期180天之后卡公司为代表的冲减其贷款，这点前提假定是账户不会被收回。
Card companies typically write off loans after they are 180 days past due, the point at which it is assumed the balances won't be able to be collected.
在逾期180天之后卡公司为代表的冲减其贷款，这点前提假定是账户不会被收回。
Card companies typically write off loans after they are 180 days past due, the point at which it is assumed the balances won't be able to be collected.
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