OK then, I think we've just about covered everything on the agenda.

Is it OK if I borrow the car, Dad?

爸爸，借用一下汽车好吗？

It'll probably be OK.

这大概没有问题。

Is it OK if I leave now?

我现在离开，可以吗？

Known for its good prospect and relatively lower bad loan rate, consumer's credit has been rapidly expanding, which has grown into one of the most competitive credit lines.

消费信贷凭借着巨大发展空间和较低的贷款不良率业以成为各家商业银行竞争角逐最为激烈、成长速度最快的信贷业务。

Therefore, this paper provides a practical guide in solving the problems of bad loan thoroughly and bringing the Bank of China to be a competitive international bank within 3 to 5 years.

对于中国银行实现3&5年内发展成为具有比较竞争优势的国际大银行的目标以及国有商业银行彻底解决不良信贷资产问题具有现实意义。

Since the financial crisis happened in many countries of the world, the foreign countries has accumulated many lessons and experiences in the course of treating the bad loan.

由于巨额不良贷款的危机在世界很多国家都曾出现，各国在处理不良贷款的过程中，也累积了很多的经验和教训。

Now, The level of our country commercial bank risk manage is widespread and lower, and the bad loan rate of whole bank system is higher, far higher than international warn line.

从当前我国银行信贷风险管理情况来看，我国商业银行风险管理水平普遍较低，整个银行体系不良贷款率偏高，远远高于国际警戒线。

Bad Loan in National Commercial Bank Is it good or bad to national economic development?

浅谈国有商业银行不良资产问题庞大的外汇储备对我国经济发展的影响究竟是喜还是忧呢？

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

目前实施这项政策的商业银行面临着降低不良贷款的强大压力。

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。