每日一词|不良贷款、贷款拖欠、抵押贷款证券

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今年1月，银保监会印发《关于开展不良贷款转让试点工作的通知》，正式开展单户对公不良贷款出售和个人不良贷款批量转让试点。该通知显示，可参与转让的个人贷款范围包括纳入不良分类的个人消费信用贷款、信用卡透支、个人经营类信用贷款，住房按揭贷款、汽车消费贷款产生的不良被剔除在外。

不良贷款

non-performing loans

Many loans become non-performing after being in default for 3 months, but this can depend on the contract terms.拖欠期达3个月的贷款就成为不良贷款，但不良贷款也要视合同条款而定。Since the companies would not recover from the recession soon, there may be serious crisis concerning non-performing loans.由于这些公司无法很快摆脱衰退，因此可能会出现严重的不良贷款危机。

贷款拖欠

loan default

A loan default generally refers to a borrower failing to pay off a debt.贷款拖欠是指借款人无法偿还债务。According to the report, the company and its subsidiaries have not defaulted on their loans.根据报道，该公司及其子公司没有拖欠贷款。

抵押贷款证券

mortgage-based securities

Banks and financial institutions are encouraged to free up home loans by issuing mortgage-based securities (MBS).鼓励银行和金融机构通过发行抵押贷款证券放开住房贷款。The MBS products may turn out to be less appealing to investors.对于投资者来说，抵押贷款证券产品可能没有那么大的吸引力。# 更多译词招聘

（来源同文世纪翻译）

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