nonperforming

简明释义

英[nɒnˈpɜrˌfɔrmɪŋ]美[nɒnˈpɜrˌfɔrmɪŋ]

未能净得预期利润的

英英释义

单词用法

同义词

反义词

例句

1.Fitch even hinted at the possibility of another wave of nonperforming loans tied to the property market.

Fitch Ratings甚至暗示与房地产市场相联的不良贷款浪潮即将袭来的可能性。

2.Fifth Third reported its first profit since the fourth quarter of 2007 as nonperforming loans fell by 8% from the first quarter.

五三银行公布说它自2007年第四季度以来首度赢利，其不良资产也比第一季度下降了8%。

3.After I was appointed president3 in 2000, one of the first things I decided was that we must hold the nonperforming ratio for new loans to less than 2 percent of assets.

当我在2002年被任命为总裁后，我最先作出的决定之一就是工行必须确保新增贷款的不良贷款率在2%以内。

4.Nonperforming assets, a dynamic concept to Banks, refers to the assets that unable to realize expected yields under current conditions.

所谓银行的不良资产，是指在现实条件下银行不能实现预期收益的资产，它是从银行角度而言的一个动态概念。

5.One of the important reasons for nonperforming loans in commercial Banks in China is that no mature and effective cooperative relationship has been formed between Banks and enterprises.

我国商业银行不良贷款产生的重要原因之一是银企之间没有形成成熟而有效的合作关系。

6.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。

7.Thus a sharp fall in prices would produce a raft of nonperforming loans and 'would have an outsized impact on Chinese Banks.

如此说来，房价暴跌将产生大量不良贷款，给中资银行带来巨大影响。

8.A hit to earnings from rising nonperforming loans would potentially reverse this trend.

不良贷款上升对盈利构成的冲击有可能扭转这一趋势。

9.The bank had to write off several loans that were classified as nonperforming.

银行不得不注销几笔被分类为不良的贷款。

10.The government is working on policies to address the issue of nonperforming loans.

政府正在制定政策以解决不良贷款的问题。

11.A high ratio of nonperforming loans can indicate poor management in a bank.

高比例的不良贷款可能表明银行管理不善。

12.Investors are concerned about the rise in nonperforming assets in the financial sector.

投资者对金融行业中不良资产的增加感到担忧。

13.The company implemented strict measures to reduce the number of nonperforming accounts.

公司采取严格措施以减少不良账户的数量。

作文

In the world of finance and banking, the term nonperforming refers to loans or assets that are not generating income for the lender. A nonperforming loan is typically one that is in default or close to being in default, meaning that the borrower has failed to make the scheduled payments. This situation poses a significant risk to financial institutions, as it affects their profitability and overall stability.Understanding the implications of nonperforming loans is crucial for both lenders and borrowers. For lenders, a high percentage of nonperforming loans can indicate poor credit risk management and can lead to increased provisions for loan losses. This, in turn, can affect the bank's capital ratios and its ability to lend to other customers. On the other hand, for borrowers, falling into a nonperforming status can have severe consequences, including damage to their credit score, legal action from the lender, and the potential loss of collateral, such as a home or car.The rise of nonperforming loans can often be traced back to economic downturns, where individuals and businesses struggle to meet their financial obligations. For instance, during a recession, many people may lose their jobs, and businesses may see a decline in sales, leading to an increase in nonperforming loans. Financial institutions must then take proactive measures to manage these risks, including restructuring loans, offering forbearance options, or even pursuing foreclosure in extreme cases.To mitigate the impact of nonperforming loans, banks often implement stringent credit assessment processes before approving loans. This includes thorough background checks, income verification, and an assessment of the borrower's repayment capacity. By ensuring that only qualified borrowers receive loans, banks can reduce the likelihood of future nonperforming loans.Moreover, governments often intervene during times of economic distress to help reduce the burden of nonperforming loans on financial institutions. This can include measures such as bailouts, loan guarantees, or the establishment of asset management companies to purchase nonperforming assets from banks. Such interventions aim to stabilize the financial system and restore confidence among investors and consumers.In conclusion, the concept of nonperforming loans is a critical aspect of the financial landscape that affects both lenders and borrowers. Understanding what constitutes a nonperforming loan and the factors that contribute to its occurrence can help stakeholders navigate the complexities of the financial system. By implementing sound lending practices and being aware of economic conditions, banks can minimize the risks associated with nonperforming loans, ultimately contributing to a healthier economy. As we continue to face economic challenges, the importance of managing nonperforming assets will remain a key focus for financial institutions worldwide.

在金融和银行的世界中，术语nonperforming指的是未能为贷方产生收入的贷款或资产。通常情况下，nonperforming贷款是指违约或接近违约的贷款，这意味着借款人未能按时支付约定的款项。这种情况对金融机构构成了重大风险，因为它影响了他们的盈利能力和整体稳定性。理解nonperforming贷款的影响对于贷方和借款人都至关重要。对于贷方而言，高比例的nonperforming贷款可能表明信用风险管理不善，并可能导致增加贷款损失准备金。这反过来又会影响银行的资本比率及其向其他客户放贷的能力。另一方面，对于借款人来说，陷入nonperforming状态可能会带来严重后果，包括信用评分受损、贷方采取法律行动以及潜在丧失抵押品（如房屋或汽车）。nonperforming贷款的增加通常可以追溯到经济衰退，在这种情况下，个人和企业难以履行财务义务。例如，在经济衰退期间，许多人可能会失去工作，公司可能会看到销售下降，从而导致nonperforming贷款的增加。金融机构必须采取积极措施来管理这些风险，包括重组贷款、提供宽限选项，甚至在极端情况下追求止赎。为了减轻nonperforming贷款的影响，银行通常在批准贷款之前实施严格的信用评估流程。这包括彻底的背景调查、收入验证和对借款人还款能力的评估。通过确保只有合格的借款人获得贷款，银行可以减少未来出现nonperforming贷款的可能性。此外，政府通常会在经济困境时期进行干预，以帮助减少金融机构面临的nonperforming贷款负担。这可能包括救助措施、贷款担保或建立资产管理公司以购买银行的nonperforming资产。此类干预旨在稳定金融体系，并恢复投资者和消费者的信心。总之，nonperforming贷款的概念是金融领域的一个关键方面，影响着贷方和借款人。了解什么构成nonperforming贷款以及导致其发生的因素可以帮助利益相关者驾驭金融体系的复杂性。通过实施良好的放贷实践并关注经济状况，银行可以最大程度地降低与nonperforming贷款相关的风险，从而最终有助于更健康的经济。随着我们继续面临经济挑战，管理nonperforming资产的重要性将始终是全球金融机构的重点关注之一。