硬贷款是国家开发银行利用借入资金（包括在国外发行的债券和利用的外资）发放的贷款，包括基本建设贷款和技术改造贷款。
世行提供了2亿美元硬贷款。
200 million loan from IBRD, the World Bank's lending arm for credit-worthy countries.
如果真的发生这种情况，任何以5%的固定利率贷款购买房地产等硬资产的人都应会大赚一笔。
Anyone purchasing hard assets like real estate, with a 5% fixed rate loan, ought to make good money if that happens.
但是，银行报表中的收益并不是类似销售额这样的“硬数据”。这些收益在很大程度上取决于银行拨备的，用来弥补预期未来贷款损失的资金额度。
But a bank's reported earnings aren't a hard number, like sales; for example, they depend a lot on the amount the bank sets aside to cover expected future losses on its loans.
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