不良信贷资产是指银行在经营中很难收回或无法收回的贷款，它与很难收回或无法收回的利息一起构成了银行的不良债权。
不良信贷资产置贷款，可以用恰当的目的家居改善。
Bad credit home equity loans can be used fittingly for the purpose of home improvement.
银行业不良信贷资产是诱发社会金融风险的重要原因。
Banking bad credit assets are important reasons that bring out social financial risks.
个人信用制度的建设、个人不良信贷资产的处置和我国个人信用安全体系的构建，已经成为摆在我们面前的现实问题。
There are some important issues comes up now, such as the structuring personal credit system, disposing the personal bad loans and creating a safety system for the personal credit, etc.
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