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不良贷款,亦指非正常贷款或有问题贷款,是指借款人未能按原定的贷款协议按时偿还商业银行的贷款本息,或者已有迹象表明借款人不可能按原定的贷款协议按时偿还商业银行的贷款本息而形成的贷款。我国自2002年起全面实行贷款五级分类制度,按照贷款的风险程度将银行信贷资产分为五类,即正常贷款、关注贷款、次级贷款、可疑贷款和损失贷款。不良贷款主要指次级、可疑和损失类贷款。
Non-performing loans, also refers to irregular loans or problematic loans, refers to the borrower fails to repay the principal and interest loans of commercial banks in accordance with the original loan agreement on time, or there have been signs that the borrower is not possible to repay in accordance with the original loan agreement on time Loans and loans of commercial banks and the formation of loans. China has fully implemented the five-tier classification system for loans since 2002. According to the risk level of loans, bank credit assets are classified into five categories, namely normal loans, concerned loans, sub-loans, doubtful loans and loss loans. NPLs mainly refer to sub-prime, suspect and loss loans.