不良贷款的定义从广义上讲,不良贷款即任何因没有履行原合同偿付协议的债权。这样的债权包括债务拖欠贷款、违约贷款,甚至是重构贷款。近年来,不良贷款已经成为“坏贷款”(bad loan)、严重拖欠或违约债务的同义词。但是,不良贷款背后的关键因素不是定义本身,而是对此种不良债权的回收率和回收时间。 Definition of NPLs Broadly speaking, NPLs are any claims that result from failure to perform the original contractual agreements. Such claims include debt default loans, default loans and even restructuring loans. In recent years, bad loans have become synonymous with “bad loans”, which are serious defaults or defaults. However, the key factor behind the non-performing loans is not the definition itself, but the recovery and recovery time of such non-performing loans.