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1、毕业论文外文资料翻译题目学院经济学院专业金融学班级金融0801学生学号20082207166指导教师二〇一二年四月二十日济南大学毕业论文外文资料翻译AppliedEconomics,theDrydenPress,2006P75-78.Non-performingLoansManagementandRecoveryWilliamJ.BaumanandAlanS.BlinderAbstractWiththedeepeningofChina'seconomicsystemreformdevelopmentandcontinuousimprovementofthesystemofthemarkete
2、conomy,banks'lendingbusinessbecomescompletelyopentoindividuals,personalloansofbusinessgrowing,continuestoexpandthescopeofbusiness,especiallythedevelopmentofindividualhousingloanmorequickly.PersonalhousingloanbusinessinChinaatthetimeofitsdevelopment,therearebadcreditrisksaswellasthecompetitivesituat
3、ionisnotoptimistic,toacertainextent,hamperthedevelopmentofindividualhousingloans,tosustainabledevelopment,researchmanagementmustbestrengthenedonanumberofissues.Thisarticlefromthecurrentdevelopmentstatusofindividualhousingloanbusinesstostart,pointedoutthatbecauseoftheexistingproblemsaswellasproblems
4、andfocusonhowtodeveloppersonalhousingloanbadcreditriskreduction,foreignexperiencesandlessonslearned,andthoughtsandcountermeasuresformanagement,topromotethehealthyandrapiddevelopmentofthebusiness.Keywords:Housingloanstoindividuals;Badcreditrisks;presentsituation;problem;Countermeasure1.IntroductionU
5、nderthefive-categoryloanclassification,substandard,doubtfulandlossloansaredefinedasnon-performingloans.Becausethereasonsbehindnon-performingloansformationaredifferent,creditassociatesmusttakeeffectivemeasurestomanage,recoveranddisposeofthesepartsofassetaccordingtotheirdifferentcharacteristics.Theba
6、nkshouldfirstfindouttheresponsibilitiesoftheguarantoranddisposeofthesecurityintime.Onlywhentheyconfirmthattheguarantorhaslosttheguaranteeabilitiesandthesecurityisnotsufficienttopayofftheloan,cantheybegintodisposeofthenon-performingloans.-11-济南大学毕业论文外文资料翻译2.ReasonsTherearemanyreasonswhybankshavepoor
7、lyperformingloanportfolios.Irrespectiveofthesecauses,bankshaveanobligationtoshareholders,depositorsandcreditorstomaximizecashflowfromassets,themosttroublesomeaspectofwhichhasbeenthepoorrecordofbanksinrecove
