Now, implementing the commercial bank of this policy is faced with the powerful pressure that reduces bad loan.

After encouraging lending as part of a stimulus package, Beijing has reined in bank credit in recent months after bad loan ratios at state banks shot up.

在鼓励银行放贷、将其作为经济刺激方案的一部分之后，北京方面近几个月收紧了银行信贷，此前国有银行的不良贷款率大幅上升。

The Application of Game Theory in China Bad Loan Management

博弈论在我国商业银行不良资产处理中的应用研究

The second Chapter: Analysis about the problem of bad loan emerged in state-owned commercial banks.

第二章国有商业银行不良贷款问题的现状分析。

So it is the basic route to disposing the bad loan by safeguarding the realizing of the bank dept right through the means of law.

因此，依法打造社会信用，用法律来保障银行债权的实现是化解银行不良贷款的根本途径。

Unqualified capital index, high liquidity debt ratio, high bad loan ratio and weak adaptive ability can induce liquidity risk.

资本金充足率不达标、流动性负债比例过高、不良贷款比率居高不下、对宏观环境变化应变能力不足都有可能诱发流动性风险。

We should adhere to two principles: CCP in charge of finance and controlling incremental bad loan.

应当坚持两个原则：党管金融和清除银行坏债靠控制增量。

Therefore, the research on credit risk measurement based on IRB is practically significant for Chinese commercial banks to control their increasing bad loan and enhance the core competitive capacity.

因此，以IRB思想为指引研究商业银行的信用风险度量问题，对于控制中资商业银行不良贷款的增长，提升其核心竞争力具有现实的意义。

Discussions of Valuation for Bad Loan

不良贷款定价的探讨

Research on Bad Loan of Commercial Bank

商业银行不良贷款问题研究

For the credit card, the main income is interest and the main loss is bad loan.

信用卡是一种支付工具的同时更是信贷工具，利息收入是信用卡的主要盈利来源，坏账损失是信用卡的主要支出来源。

To our commercial bank, current states of marketing risk are high rate of bad loan, low amplification rate of capital and low profit ratio.

其次，本文以我国商业银行市场风险的现实表现为切入点，分析指出其市场风险的相关表现，即不良贷款率高，资本金充足率不高，盈利能力低等。

On State-owned Bank's Bad Loan's Prevention and Relief

论对国有银行不良贷款的防范与法律救济

However, private business has very unsatisfied status in the process of dealing the bad loan compared to its economic status.

然而，民营经济在不良资产处置中的地位却与其经济地位不相符合。

Law go ahead, cure the bad loan depending on law is the common experience.

立法先行，依法救治是各国成功处置不良贷款的共同启示。

Reflections on the management of the bad loan in the rural credit co-operative society

对农村信用社不良贷款管理的新思考

Based on the analysis above, the thesis firstly introduces the basic status of China's bad loan, such as the definition, causes, impact on China's economy.

基于以上的分析，本文首先对不良资产的基本情况进行了阐述，具体包括不良资产的定义、产生原因、对我国经济的影响等一系列问题；

Approaches for Bad Loan Valuation

不良贷款的评估思路与方法

That means every bad loan goes bad 47 times over.

这就是说每笔坏帐会坏上47倍。

At the present, as controlling to bad loan rate was taken into account, commercial banks had tightened the credit.

目前，商业银行出于对控制不良贷款率的考虑，施行了信贷紧缩。

The rate of bad loan up to 25%, it hit the banking system in china.

不良贷款率超过了25%，已经严重影响银行的正常经营。