第五，财政负担沉重，金融不良资产比例较高。
Fifth, financial burden is heavy, and the proportion of non-performing assets or non-performing loans is quite high.
金融监管逐步加强，防范和化解金融风险取得成效，银行不良资产比例逐步降低。
As financial regulation was gradually tightened, our ability to prevent or defuse financial risks has improved, and the proportion of non-performing assets of our Banks decreased.
但是多年来国有商业银行在经营中存在着一些突出问题，不良资产比例偏高便是其中之一。
However, for many years the state-owned commercial Banks operating there are some obvious problems, the high proportion of non-performing assets is one of them.
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