职场英语：“不良贷款”怎么说

日前，银监会发布数据称，上半年我国银行业不良贷款再次实现双降。截至6月末我国全部商业银行不良贷款余额为12827.2亿元，不良贷款率下降为7.5%，抵御风险能力继续增强。

请看《中国日报》相关报道：China's commercial banks reduced their ratio of nonperforming loans to total lending to 7.5 percent by June, amid signs a campaign to improve risk controls may be making progress, the banking regulator reported.

The total value of bad loans fell to 1.28 trillion yuan ($160.6 billion) by the end of June, down 3.6 percent from the end of last year, the report said.

“不良贷款”的常见表达有两种：nonperforming loans或dead loans。就语言色彩而言nonperforming loans比dead loans更为形象、生动。

“不良贷款”指银行在一定期限内不能按期收回的贷款，其原因往往是借款企业因经营不善而导致无力偿还。言外之意，贷出的款项没有起到应起的作用，“钱没能生出更多的钱”，由此，nonperforming（未履行职责的，未完成任务的）恰到好处地道出了“不良贷款”的内涵。

另外，再提两个有关贷款的表达：idle loans（呆帐），overdue loans（逾期贷款），mortgage loans（按揭贷款）。