日前，銀監會發布數據稱，上半年我國銀行業不良貸款再次實現雙降。截至6月末我國全部商業銀行不良貸款余額為12827.2億元，不良貸款率下降為7.5%，抵御風險能力繼續增強。

請看《中國日報》相關報道：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.

“不良貸款”的常見表達有兩種：nonperforming loans或dead loans。就語言色彩而言nonperforming loans比dead loans更為形象、生動。

“不良貸款”指銀行在一定期限內不能按期收回的貸款，其原因往往是借款企業因經營不善而導致無力償還。言外之意，貸出的款項沒有起到應起的作用，“錢沒能生出更多的錢”，由此，nonperforming（未履行職責的，未完成任務的）恰到好處地道出了“不良貸款”的內涵。

另外，再提兩個有關貸款的表達：idle loans（呆帳），overdue loans（逾期貸款），mortgage loans（按揭貸款）。