贷款拨备率

我们考虑了GDP增长率，通货膨胀率，银行规模，净利差，存贷比，资本充足率，不良贷款拨备覆盖率这七个因素。

We consider the GDP growth , inflation , bank size , net interest margin , deposit ratio , capital adequacy ratio and NPL coverage .

不良贷款拨备覆盖率呈逐年上升（除深发展）趋势，抗风险能力趋于增强；

4 ) The coverage of provisions for NPL is on a annually rising trend ( excluding the Shenzhen Development Bank ) and the capability to forestall risks is improving ;

去年年底，监管机构将不良贷款拨备覆盖率提高到130%；如今，报道称已升至150%。

At the end of last year , regulators ratcheted up the provisioning level to 130 per cent of bad loans ; now , reports suggest , that has been lifted to 150 per cent .

caixabank将不良房地产贷款的拨备覆盖率几乎翻了一番，增至62%。

Caixabank almost doubled provision coverage of bad property loans to 62 per cent .

这可能采取将所有房地产贷款的一般拨备率从7%提高至30%的形式，那些无法负担的银行将得到某种形式的政府担保政府将为此收费。

This would be likely to take the form of the general provisions for all property loans being raised from 7 per cent to 30 per cent , with those banks that cannot afford this being granted a form of state-backed guarantee for which the state would charge them .