In June 1999, the nonperforming loan ratio at ICBC reached 47.5 percent.

在1999年6月，工行的不良贷款率达到47.5%。

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Loan portfolio risk is the main risk of commercial Banks. The nonperforming loan caused by the loan allocation mistakes, is the main problem of Chinese Banks industry.

贷款组合风险是商业银行的主要风险，由于贷款组合分配失误造成的新增不良贷款不断产生，是我国目前银行业面临的主要问题。

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For one thing, nonperforming loan ratios are declining.

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But some are destined for foreclosure and will need to be foreclosed in the coming years, not to mention that some going into the loan modification bucket or nonperforming loan sale bucket will end up as foreclosures eventually.

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"There's clearly been a rapid appreciation in residential land values, but at the same time you've got to keep reminding yourself that you're buying a nonperforming loan, " says Curt Bailey, president of Related Midwest, a unit of Stephen Ross's Related Cos. that has expressed interest in the site.

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