The lower quality, the higher non-performing loan ratio, the lack of clarity of internal property rights, the imperfect corporate governance structure and the increase of financial risks accumulated of financial assets can not meet the financial needs of farmers.
金融资产质量偏低、不良贷款率颇高,产权不明晰、法人治理结构不完善,累积的金融风险加剧,不能满足农户的金融需求。
参考来源 - 河北省农村信用社发展问题研究·2,447,543篇论文数据，部分数据来源于NoteExpress
Santander had a non-performing loan ratio of 3.37%, up from 2.82%.
桑坦德银行的不良贷款率从2.82%提高到3.37%。
Banks have an average loan-to-deposit ratio of only 67%, low by international standards, and less than 5% of Banks' loans are non-performing, down from 40% in 1998.
银行的平均贷存比例只有67%，低于国际标准，同时银行的坏账率从1998年时的40%下降到现在的5%。
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