Some “new” loans also represent a shift to the formal banking sector from off-balance sheet vehicles and from the informal loan market which flourished when credit quotas were in place.

一些“新”借贷也显示了从资产负债表外媒介和非正式借贷市场到正规银行部门的转化，而前者在信贷规模形成的时候非常流行。

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Some "new" loans also represent a shift to the formal banking sector from off-balance sheet vehicles and from the informal loan market which flourished when credit quotas were in place.

一些“新增”贷款是由表外款项部门和非正规贷款市场（当信贷限制还存在时这个市场异常繁荣）向正规借贷部门转移造成的。

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Some banks woke up early to the risks and are reducing their off-balance-sheet loan commitments as fast as they can.

FORBES: Timebombs in the Vault

The accepted practice in bank accounting is to set up significant loan-loss reserves only when the commitment is availed of and the arrangement becomes an on-balance-sheet loan.

FORBES: Timebombs in the Vault

Moreover, Chinese banking institutions in recent years have been generating substantial fee income by creating off-balance-sheet loan products that may leave them on the hook, either formally or informally, for losses.

FORBES: IMF Warns China's Banks