正常贷款 借款人能够履行合同，一直能正常还本付息，不存在任何影响贷款本息及时全额偿还的消极因素，银行对借款人按时足额偿还贷款本息有充分把握。贷款损失的概率为0。
汇票与正常贷款之间的差异在于银行可将持有的汇票卖给投资者。
The difference between bills and a standard loan is that bills held by the bank can sold to investors.
如果钱被再借给房地产公司，将危害房地产开发商和其他各行各业公司的正常贷款。
That would endanger formal loans to property developers, as well as loans to other kinds of companies, if they re-lent the money to property firms.
与此同时，国有商业银行的贷款增长较快，在正常贷款中也还蕴藏着许多潜在风险。
Meanwhile, along with the fast growth of loans, it will bring in much more new potential risks to the national commercial Banks.
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