The increase in the rescheduled loan ratio in recent months indicates that banks have been entering into more loan restructuring arrangements with borrowers 最近几个月经重组贷款比率上升，显示银行与借款人达成的债务重组安排个案有所增加。
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。
The bank ' s non - performing loan ratio fell to 4 . 43 percent by 2005 , coming closer to the 1 - 2 percent level reported by sophisticated foreign banks 到2005年，中国工商银行的不良贷款比率降至百分之4 . 43 ，与国外优秀银行的1至2个百分点的水平越来越近了。
The amount of delinquent negative equity rmls grew at a slower pace than the growth in total negative equity rmls . as a result , the three - month delinquency ratio of negative equity rmls 负资产住宅按揭贷款的拖欠额较其贷款总额的增长步伐为慢，因此拖欠个月以上的负资产住宅按揭贷款比率
These efforts have meant that , while the hong kong banking system s npls inevitably increased during the asian financial crisis , the ratio was one of the lowest in the region 经过多年来的努力，虽然亚洲金融危机期间本港银行体系的不履行贷款无可避免增加，但不履行贷款比率仍是亚洲区内最低的之一。
Our commercial banks , especially the state - owned banks , have so lowly qualitative credit assets and highly bad loan ratio that credit risk becomes the biggest financial risk of our country 我国商业银行尤其是国有银行信贷资产质量低下，不良贷款比率一直居高不下，银行信用风险成为我国金融风险的最大隐患。
Moreover , the banks have been able to substantially reduce the ratio in recent years to more normal levels , notwithstanding the financial turmoil , the bursting of the property bubble and continuing deflation 此外，尽管面对金融危机楼市泡沫爆破及持续通缩，近年本港银行已积极地把不履行贷款比率降低至较正常水平。
" despite the fall in the ratio of refinancing loans , competition for new mortgage business remains intense and margins are continuing to be squeezed . " said mr david carse , deputy chief executive of the hkma 金管局副总裁简达恒表示：尽管再融资贷款比率下降，但银行争逐新按揭业务的竞争仍相当激烈，并会使息差继续收窄。
" the ratio of mortgage loans granted at below the best lending rate rose significantly in march , reflecting that the mortgage price war among banks has become more acute . " said mr y . k . choi , acting deputy chief executive of the hkma 金管局署理副总裁蔡耀君表示：月份以低于最优惠利率批出的按揭贷款比率大幅上升，显示银行间的按揭业务竞争已加剧。
