逾期贷款 overdue loan

近日，普华永道发布中国十大上市银行的中报业绩分析，显示各银行“逾期贷款”快速上升，上半年十大银行逾期贷款总额接近5000 亿，较去年年末增加1128.78 亿。

China's top 10 lenders' outstanding  overdue loans, an indicator of future non-performing loans, or NPLs, reached 489 billion yuan ($77.6 billion) by the end of June, up 112.9 billion yuan from six months earlier.

6月底，中国十大银行未清的逾期贷款已达4890亿元 Overdue loan就是“逾期贷款”，也就是到期未能偿还的贷款。短期内逾期未能偿还的贷款叫做non-performing loan 随着对银行资产不确定性的增加，银行的盈利能力也将随着政府试图liberalize interest rates 相关阅读

民间借贷 private lending

债务“减记” write-down

未偿贷款 outstanding loans

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