信用卡坏账净撇帐比率 net charge-off rate
垃圾债券的坏账比率，在过去的12个月里仅有3.4 ％ ，肯定会在2009年飙升。
Junk-bond default rates, which ran at just 3.4% in the past 12 months, are certain to spike in 2009.
资本比率在上升的同时坏账率也在大幅下降：泰国从1998年的43%一直减少到去年的8%。
Capital ratios have increased and non-performing loans have fallen sharply: in Thailand from 43% in 1998 to 8% last year.
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