拖欠比率下降，部分是因为个人破产个案上升令机构增加撇帐。

The decline was due in part to increased write-offs made by institutions in relation to personal bankruptcies.

youdao

拖欠比率下降，主要是因为认可机构提前就个人破产个案进行撇帐。

The decline was largely due to institutions making charge-offs in relation to personal bankruptcies earlier.

youdao

比如，摩根大通公司第二季度的撇帐(不能获得偿还的贷款)跟前一季度相比下降了28%。

At JPMorgan Chase second-quarter charge-offs (of loans viewed as beyond repair) fell by 28% compared with the previous quarter, for instance.

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