Eric must either sell some of his property or seek extra funds in the form of
loans.
埃里克就只得变卖部分家产或者通过贷款寻求额外的资金。
Tom loaned the museum his entire collection.
汤姆把自己的全部收藏品都借给了博物馆。
I applied for a loan to buy a new car.
我申请了一笔贷款来购买新车。
She repaid her student loan in full after graduating.
她毕业后全额偿还了学生贷款。
The bank approved my mortgage loan for the house.
银行批准了我的购房抵押贷款。
They offered a low-interest loan to first-time homebuyers.
他们为首次购房者提供了低利率贷款。
He took out a personal loan to fund his business venture.
他拿出一笔个人贷款来资助他的商业计划。
She consolidated her multiple
loans into one with a lower interest rate.
她将多笔贷款合并成一笔，利率更低。
A loan shark approached him, offering quick cash at an exorbitant rate.
高利贷者找上他，以极高的利息提供现金。
The government provides
loans to farmers for purchasing agricultural equipment.
政府向农民提供贷款购买农业设备。
I'm on a tight budget, so I decided to borrow some money from my friend.
我的预算很紧，所以我决定向朋友借钱。
They renegotiated the loan terms with the bank due to financial difficulties.
由于财务困难，他们与银行重新协商了贷款条款。
About 40 billion yuan in loans have been provided to key projects such as the construction of a digital agricultural demonstration park, injecting financial vitality into the city's development.
为数字农业示范园区建设等重点项目提供贷款约400亿元，为全市发展注入了金融活力。
Drivers demonstrating emissions reductions benefit from favorable loan terms and interest rates from the bank.
证明减排的司机受益于银行优惠的贷款条件和利率。
Business profile and potential spillover risks in the case of Evergrande are very different from those in Western countries, she said, adding that the company has few derivative financial products and its total liabilities account for a low percentage of China's overall bank loans.
她说，恒大的业务状况和潜在的溢出风险与西方国家非常不同，并补充说，该公司几乎没有衍生金融产品，其总负债在中国银行贷款总额中所占比例很低。
Hengda Real Estate Group, a flagship subsidiary of debt-laden property developer China Evergrande Group, said on Tuesday that its controlling shareholder intends to swap loans to China Evergrande New Energy Vehicle Group into new share sales by the new energy vehicle arm of the developer.
负债累累的房地产开发商中国恒大集团的旗舰子公司恒大地产集团周二表示，其控股股东打算将对中国恒大新能源汽车集团的贷款转换为开发商新能源汽车部门的新股销售。
This will be financed by contributions from STMicroelectronics and the Chinese chipmaker, local government support and loans, the companies said.
两家公司表示，这笔资金将来自意法半导体和这家中国芯片制造商的捐款、地方政府的支持和贷款。
Under the partnership, IFC, a member of the World Bank Group and the largest global development institution focusing on the private sector of emerging markets, will provide subsidiaries of Fosun Pharma with loans totaling 50 million euros ($53.58 million) to support the construction of a manufacturing site near Abidjan, Cote d'Ivoire, that will produce anti-malaria drugs and antibacterial medicines.
根据该合作伙伴关系，国际金融公司是世界银行集团的成员，也是专注于新兴市场私营部门的最大全球发展机构，将向复星医药的子公司提供总额为5000万欧元（5358万美元）的贷款，以支持在科特迪瓦阿比让附近建造一个制造基地，这将生产抗疟疾药物和抗菌药物。
The bank will this year increase credit support for key areas, including advanced manufacturing, scientific and technological innovation, green finance and inclusive finance, to ensure credit growth in these areas is higher than its overall loan growth, said Wang Zhiheng, president of the bank.
该行行长王志恒表示，该行今年将加大对先进制造业、科技创新、绿色金融和普惠金融等重点领域的信贷支持，以确保这些领域的信贷增长高于整体贷款增长。
The bank's total loans amounted to 3.57 trillion yuan ($519.52 billion) at the end of last year, an increase of 8 percent from the start of 2022.
截至去年年底，该行的贷款总额为3.57万亿元人民币（5195.2亿美元），比2022年初增长了8%。
The lender's outstanding medium- and long-term loans to the manufacturing sector hit 193.6 billion yuan at the end of 2022, up 40.7 percent from a year ago, while outstanding loans to small and micro enterprises reached 305.3 billion yuan, up 28.8 percent from the end of 2021.
截至2022年底，该行对制造业的未偿中长期贷款达到1936亿元，同比增长40.7%，对小微企业的未偿贷款达到3053亿元，比2021年底增长28.8%。
Its non-performing loan ratio stood at 1.25 percent at the end of last year, unchanged from the start of 2022.
截至去年年底，其不良贷款率为1.25%，与2022年初持平。
Last year, the bank accelerated its loan issuance for sectors including green development, manufacturing, science and technology, and people's livelihood and consumption.
去年，该行加快了对绿色发展、制造业、科技、民生和消费等领域的贷款发放。
By the end of 2022, the bank's outstanding green loans hit 637.07 billion yuan, an increase of 40.34 percent from the end of the previous year.
截至2022年底，本行未偿绿色贷款6370.7亿元，比上年末增长40.34%。
Outstanding loans for the manufacturing sector surpassed 580 billion yuan by the end of 2022, jumping 33.71 percent year on year.
截至2022年底，制造业未偿贷款超过5800亿元，同比增长33.71%。
The asset quality of its overseas institutions remained in good condition, with the nonperforming loan ratio being only 0.79 percent, declining by 0.12 percentage points, Guan said.
关说，境外机构资产质量保持良好，不良贷款率仅为0.79%，下降0.12个百分点。
Working together with China Mobile will catalyze the progress of financial technology, which will thus improve operational efficiency, lower relevant costs and reduce loan risks.
与中国移动的合作将促进金融技术的进步，从而提高运营效率，降低相关成本，降低贷款风险。
In particular, the bank's non-performing loan ratio was 1.47 percent, 0.06 percentage points lower from the end of 2021, marking the first decline registered in the past five years.
特别是，该行的不良贷款率为1.47%，比2021年底下降0.06个百分点，这是过去五年来首次下降。
Outstanding inclusive loans issued to small and micro businesses stood at 277.29 billion yuan as of the end of 2022, up 17.22 percent compared with the start of the year, the CZBank said.
中原银行表示，截至2022年底，发放给小微企业的普惠性贷款余额为2772.9亿元，比年初增长17.22%。
Chinese regulators have approved Ant to raise 10.5 billion yuan ($1.5 billion) for its consumer finance unit, marking a significant step forward for the revamp of the financial technology company's lucrative consumer loan business.
中国监管机构已批准蚂蚁集团为其消费金融部门筹集105亿元人民币（15亿美元），这标志着这家金融科技公司利润丰厚的消费贷款业务的改革迈出了重要一步。
Chinese regulators have approved tech heavyweight Alibaba's financial arm Ant Group to raise 10.5 billion yuan ($1.5 billion) for its consumer finance unit, marking a significant step forward for the revamp of the financial technology company's lucrative consumer loan business.
中国监管机构已批准科技巨头阿里巴巴的金融子公司蚂蚁集团为其消费金融部门筹集105亿元人民币（15亿美元），这标志着这家金融科技公司利润丰厚的消费贷款业务的改革迈出了重要一步。
"The consumer finance unit will be able to handle 1.1 trillion yuan in loans once the fundraising is complete, Qi said.
齐说：“一旦筹资完成，消费金融部门将能够处理1.1万亿元的贷款。
Accumulated loans issued via the app amounted to nearly 5 trillion yuan ($709.84 billion), and the current balance of loans is 1.19 trillion yuan, said Guo Chaojing, leader of the app update project.
应用程序更新项目负责人郭超静表示，通过该应用程序累计发放的贷款近5万亿元人民币（7098.4亿美元），当前贷款余额为1.19万亿元人民币。
Version 3.0 of the app has introduced new lending service functions, such as allowing existing borrowers to get a higher credit limit and automatically recommending loan products to clients based on a more precise understanding of their needs.
该应用程序的3.0版引入了新的贷款服务功能，例如允许现有借款人获得更高的信用额度，并根据对客户需求的更准确了解自动向客户推荐贷款产品。
As of the end of September, the balance of loans to micro and small enterprises that have a total credit line of up to 10 million yuan per borrower reached 23.16 trillion yuan in China, up 24.6 percent year-on-year.
截至9月底，中国对每个借款人总信贷额度1000万元以下的微型和小型企业的贷款余额达到23.16万亿元，同比增长24.6%。
- China has stepped up support for epidemic-hit small market players by deferring their loan repayments, according to a circular jointly released by the country's central bank and five other government departments on Monday.
-根据中国央行和其他五个政府部门周一联合发布的一份通知，中国通过推迟偿还贷款，加大了对受疫情影响的小型市场主体的支持力度。
The principal and interest repayments on loans made to micro and small enterprises due in the fourth quarter of 2022 can be extended to June 30, 2023 at most, according to the circular.
根据通知，2022年第四季度到期的微型和小型企业贷款本息还款最多可延长至2023年6月30日。
The circular said the central bank will make comprehensive use of its monetary policy toolkits to maintain reasonably adequate liquidity in the banking system, and financial regulators should implement differentiated policies on the tolerance of non-performing loans for small and micro businesses.
通知称，央行将综合运用货币政策工具，保持银行体系流动性合理充裕，金融监管机构应对小微企业实施差别化的不良贷款容忍政策。
The airlines plans to provide the funds for the purchase through business operations, bank loans and other financing methods.
航空公司计划通过商业运营、银行贷款和其他融资方式为购买提供资金。
They have further affected the asset quality of banks' home mortgage loans and credit card businesses," said Zhang Xuguang, executive vice-president at Agricultural Bank of China, at a recent news conference announcing the bank's 2022 interim results.
它们进一步影响了银行住房抵押贷款和信用卡业务的资产质量，”中国农业银行执行副行长张旭光在最近宣布该行2022年中期业绩的新闻发布会上表示。
As of the end of June, the balance of ABC's nonperforming loans reached 264.46 billion yuan ($38.09 billion), up 18.67 billion yuan from the beginning of this year.
截至6月底，农行不良贷款余额达到2644.6亿元人民币（380.9亿美元），比年初增加186.7亿元人民币。
The BOC continued optimizing the credit structure in the first half, with the growth of loans granted to the manufacturing sector, strategic emerging industries, and the fields of technology finance, green finance and inclusive finance exceeding the average growth of total loans, thus ensuring the stability of the overall structure of asset quality in the future, Liu said.
刘表示，上半年，中行继续优化信贷结构，制造业、战略性新兴产业、科技金融、绿色金融、普惠金融等领域贷款增速均超过贷款总额平均增速，确保了未来资产质量整体结构的稳定。
Its NPL ratio for residential mortgages was 0.25 percent at the end of June, up 0.05 percentage points from the end of last year, and the NPL ratio for corporate loans and advances to the real estate sector increased by 1.13 percentage points to 2.98 percent.
截至6月底，中国住房抵押贷款不良贷款率为0.25%，比上年末上升0.05个百分点，企业贷款和房地产预付款不良贷款率上升1.13个百分点，达到2.98%。
However, the overall risks of CCB's lending to the real estate sector and homebuyers still remain controllable and the allowances for impairment losses on loans are sufficient, said Cheng.
然而，程表示，建行向房地产行业和购房者发放贷款的总体风险仍然可控，贷款减值准备充足。
The balance of its loans to the house rental business was 180.62 billion yuan at the end of June, up more than 35 percent from the prior year-end.
截至6月底，其房屋租赁业务贷款余额为1806.2亿元，比上年末增长35%以上。
Industrial and Commercial Bank of China cleared up and disposed of bad loans worth nearly 100 billion yuan, 10.5 billion yuan more than the amount in the same period last year, said Wang Jingwu, senior executive vice-president at the bank.
中国工商银行高级执行副行长王精武表示，该行清理处置了近1000亿元的不良贷款，比去年同期多105亿元。
As of the end of June, the large State-owned commercial lender's renminbi loans and advances to customers totaled 13.78 trillion yuan ($2 trillion), an increase of 1.02 trillion yuan or 8 percent compared with the prior year-end.
截至6月底，这家大型国有商业银行向客户发放的人民币贷款和垫款总额为13.78万亿元人民币（2万亿美元），比上年末增加1.02万亿元人民币，增长8%。
Specifically, technology finance loans grew by 17.21 percent, loans granted to strategic emerging industries rose 67 percent and manufacturing loans went up 15.64 percent from the end of last year.
其中，科技金融贷款同比增长17.21%，战略性新兴产业贷款同比增长67%，制造业贷款同比增长15.64%。
Its outstanding inclusive finance loans granted to micro and small enterprises reached nearly 1.11 trillion yuan, up more than 25 percent from the beginning of this year, said Liu Jin,xa0president of the bank, at a news conference on Wednesday.
该行行长刘进在周三的新闻发布会上表示，该行向微型和小型企业发放的未偿普惠金融贷款达到近1.11万亿元，比今年年初增长了25%以上。
"The Bank of China will make greater efforts to realize a higher year-on-year growth of domestic RMB loans in the second half and for the full year," said Lin Jingzhen, executive vice-president of the bank.
中国银行执行副行长林景珍表示：“下半年和全年，中国银行将加大力度实现国内人民币贷款同比增长。”。
The asset quality of China Construction Bank Corp in terms of loans to the real estate sector remained relatively stable, with the overall risk associated with lending to the sector being under control, said a senior executive of the large State-owned commercial lender on Wednesday.
中国建设银行的一位高管周三表示，就房地产行业贷款而言，该行的资产质量保持相对稳定，与该行业贷款相关的整体风险得到控制。
This led to an increase in the nonperforming loan ratio of the CCB's lending to the property sector over this period, said Cheng Yuanguo, chief risk officer at the bank.
建行首席风险官程元国表示，这导致建行在此期间对房地产行业贷款的不良贷款率上升。
As of the end of June, the balance of its loans to the real estate sector amounted to 762.79 billion yuan ($110.65 billion), and the NPL ratio was 2.98 percent, up 1.13 percentage points from the end of last year.
截至6月底，其房地产贷款余额为7627.9亿元人民币（1106.5亿美元），不良贷款率为2.98%，比上年末上升1.13个百分点。
In spite of the rise in housing-related NPL ratios, the overall risk of the CCB's lending to the real estate sector and homebuyers still remains controllable and the allowances for impairment losses on loans are sufficient, Cheng said.
程表示，尽管住房不良贷款率有所上升，但建行向房地产行业和购房者发放贷款的总体风险仍然可控，贷款减值准备充足。
At the end of June, the balance of its loans for the house rental business was 180.62 billion yuan, up more than 35 percent from the end of last year.
截至6月底，其房屋租赁业务贷款余额为1806.2亿元，比上年末增长35%以上。
In addition, the bank continuously optimized the structure of corporate clients in the real estate sector, the structure of regions where properties are located, and the structure of housing-related loan products, Cheng said.
程说，此外，该行还不断优化房地产行业的企业客户结构、房地产所在地区的结构以及住房相关贷款产品的结构。
Overdue mortgage loans of those properties totaled 78 million yuan ($11.5 million) as of the end of last month, accounting for merely 0.028 percent of the bank's total mortgage loans for personal housing.
截至上月底，这些房产的逾期抵押贷款总额为7800万元人民币（1150万美元），仅占该行个人住房抵押贷款总额的0.028%。
Responding to the financial risks brought by recent credit defaults among a few property developers, Vice-president Guo Shibang said the bank attaches high importance to risk prevention and quality control when granting loans to the property sector.
针对近期少数房地产开发商信用违约带来的金融风险，副行长郭世邦表示，该行在向房地产行业发放贷款时高度重视风险防范和质量控制。
"We will continue to strengthen our risk management and control on property loans.
“我们将继续加强对房地产贷款的风险管理和控制。
The non-performing loan ratio of the Shenzhen-based lender stood at 1.02 percent as of the end of June, remaining flat compared to the year-end level in 2021.
截至6月底，这家总部位于深圳的银行的不良贷款率为1.02%，与2021年底的水平相比持平。
"Infrastructure construction will remain a policy focus in the second half, and new loans from policy banks as well as their funding for infrastructure projects will provide support for infrastructure construction," Guo said.
郭说：“基础设施建设仍然是下半年的政策重点，政策性银行的新贷款及其对基础设施项目的资助将为基础设施建设提供支持。”。
They are currently repaying a 2.53 million yuan loan.
他们目前正在偿还253万元的贷款。
According to the municipal government, the Shanghai-based insurers provided 90 billion yuan ($13 billion) worth of risk protection last year for technology and biomedicine companies by introducing novel policies such as patent insurance and technology loan insurance.
据市政府称，总部位于上海的保险公司去年通过推出专利保险和技术贷款保险等新政策，为科技和生物医药公司提供了价值900亿元（130亿美元）的风险保护。
For users with financial difficulties, the company will provide one-year interest-free loans, the company said.
该公司表示，对于有经济困难的用户，该公司将提供为期一年的无息贷款。
It involves the Italian proprietor Renexia, Dutch hoisting subcontractor Van Oord and Italian installation subcontractor IVPC, as well as loans from Natixis.
它涉及意大利业主Renexia、荷兰吊装分包商Van Oord和意大利安装分包商IVPC，以及Natixis的贷款。
In east China's Zhejiang Province, financial support for the real economy increased, with medium and long-term loans for the private sector up by 18.2 percent.
在中国东部的浙江省，金融对实体经济的支持力度加大，对私营部门的中长期贷款增长了18.2%。
The municipal government has released new measures to boost the recovery of the tourism sector, including guiding financial institutions to increase loan quotas and lower interest rates for tourism-related projects as well as expanding support from the city's special fund for tourism development for both vendors and major attractions.
市政府发布了促进旅游业复苏的新措施，包括引导金融机构增加贷款额度，降低旅游相关项目的利率，以及扩大市旅游发展专项基金对供应商和主要景点的支持。
During development and construction of the Cambodian hydroelectric project, the Export-Import Bank of China provided an exclusive loan for 70 percent of total investment of the project, while China Export & Credit Insurance Corp, commonly known as Sinosure, provided political risk insurance, said Fang Zheng, chairman of Huadian Overseas Investment Co Ltd. "The financial agencies carried out comprehensive investment risk analysis and professional assessment, which has supported Huadian to develop clean and renewable hydroelectric resources in countries and regions participating in the Belt and Road Initiative," Fang said.
方正说，在柬埔寨水电项目的开发和建设过程中，中国进出口银行为该项目总投资的70%提供了独家贷款，而中国进出口信用保险公司（通常称为中国信保）提供了政治风险保险，华电海外投资有限公司董事长方说：“金融机构进行了全面的投资风险分析和专业评估，支持华电在“一带一路”倡议国家和地区开发清洁可再生水电资源。”。
As such, the company is busy prepping for the upcoming June 18 or "618" shopping festival, with easier customer access to discounts and preferential loan services dedicated to merchants to boost transactions.
因此，该公司正忙于为即将到来的6月18日或“618”购物节做准备，让客户更容易获得折扣和专门为商家提供的优惠贷款服务，以促进交易。
Vendors can enjoy up to 20 percent off on credit loans, with Taobao and Tmall providing merchants with a free early payment service worth 100 billion yuan.
卖家可以享受高达20%的信用贷款折扣，淘宝和天猫为商家提供价值1000亿元的免费早期支付服务。
Meituan announced on Wednesday it will partner with a number of financial institutions, including China Everbright Bank, to jointly offer collateral-free loans at fairly low rates to some owners of small restaurants serving local specialty street foods.
美团周三宣布，将与包括中国光大银行在内的多家金融机构合作，以相当低的利率向一些提供当地特色街头食品的小餐馆老板联合提供无抵押贷款。
The Chinese shopping platform for locally found consumer products and retail services said it will provide information on cash flow and other operating conditions of small restaurants serving local specialty street foods, who will apply for the syndicated loan, to its partner financial institutions in this project.
中国本土消费品和零售服务购物平台表示，将向该项目的合作金融机构提供供应当地特色街头食品的小餐馆的现金流和其他经营状况信息，这些餐馆将申请银团贷款。
It is expected that the project will overcome information asymmetry problems, thus helping small businesses find easier access to loans and get through hard times amid the COVID-19 pandemic.
预计该项目将克服信息不对称问题，从而帮助小企业更容易获得贷款，度过新冠肺炎疫情期间的艰难时期。
At the initial stage of the project, loans will be provided to store owners of Shaxian Delicacies, a style of cuisine from Shaxian district of Sanming, Fujian province.
在项目的初期，将向沙县熟食店的店主提供贷款，这是一种来自福建省三明市沙县区的美食。
The store owners who have financing needs can apply for a loan up to 300,000 yuan at an average annualized rate of no more than 7.2 percent.
有融资需求的店主可以申请最高30万元的贷款，平均年化利率不超过7.2%。
Loan terms vary from three months to three years.
贷款期限从三个月到三年不等。
The loans are expected to help small business owners recover from the pandemic and support new urban residents starting a business or getting a job.
这些贷款预计将帮助小企业主从疫情中恢复，并支持新的城市居民创业或就业。
"The San Francisco-based company, founded in 2006, said Musk secured $25.5 billion of debt and margin loan financing and is providing a $21 billion equity commitment.
这家总部位于旧金山的公司成立于2006年，表示马斯克获得了255亿美元的债务和保证金贷款融资，并提供了210亿美元的股权承诺。
The Postal Savings Bank of China, for example, has been stepping up loan approval process efficiency for local lighter manufacturers.
例如，中国邮政储蓄银行一直在提高当地打火机制造商的贷款审批效率。
The lender has shortened the online loan approval process down to one day to solve financing difficulties for smaller enterprises.
该行已将网上贷款审批流程缩短至一天，以解决小型企业的融资困难。
It has also come up with different loan products targeting various companies of different credit levels to further support the development of the real economy through financial methods.
它还针对不同信用水平的公司推出了不同的贷款产品，通过金融方式进一步支持实体经济的发展。
By the end of last year, the Cengong branch of the PSBC had issued almost 200 million yuan in loans to local small and medium-sized enterprises, with that for lighters and supporting industries up to 50 million yuan, it said.
据介绍，截至去年年底，公安局岑巩分局已向当地中小企业发放贷款近2亿元，打火机及配套产业贷款高达5000万元。
Its non-performing loan ratio stood at 1.42 percent at the end of last year, down 0.14 percentage points from 2020.
去年年底，其不良贷款率为1.42%，比2020年下降0.14个百分点。
In 2022, the bank will further support the real economy, issue more inclusive loans to small and micro businesses, and coordinate efforts in providing financial services to low-carbon industries, the report said.
报告称，2022年，该行将进一步支持实体经济，向小微企业发放更多普惠性贷款，并协调向低碳行业提供金融服务。
The new branch of HSBC will focus on corporate banking and will offer a wide range of financial solutions, including working capital loans, project financing and trade financing, in both renminbi and foreign currencies.
汇丰银行的新分行将专注于企业银行业务，并将提供广泛的金融解决方案，包括流动资金贷款、项目融资和贸易融资，包括人民币和外币。
BOC said it plans to offer no less than 1 trillion yuan ($154.64 billion) to support the green industry during China's 14th Five-Year Plan period and to increase the ratio of green credit to total loans year by year.
中国银行表示，在中国"十四五"规划期间，计划提供不少于1万亿元人民币（约合1546.4亿美元）支持绿色产业，并逐年提高绿色信贷在全部贷款中的占比。
It will increase the proportion of the balance of domestic green corporate loans in the balance of domestic corporate loans by no less than 5 percentage points from the end of the 13th Five-Year Plan period (2016-20) and will even strive to make an increase of 10 percentage points.
这句话的中文翻译可以是：“相比于第十三个五年计划期末（2016-20年），我们将提高国内绿色企业贷款余额在国内企业贷款总余额中的比例，至少增加5个百分点，甚至力争增加10个百分点。”
The bank will also accelerate the credit granting structure by industry, strengthen the management and control of the balance of loans to energy-intensive and pollution-intensive industries, and increase credit support for green projects, including the upgrading of emission reduction technologies, the clean and efficient utilization of fossil fuels, and thermal power flexibility transformation, during the 14th Five-Year Plan period.
在“十四五”期间，该银行还将加快按行业划分的信贷授予结构优化，加强对高耗能、高污染行业贷款余额的管理和控制，并加大对绿色项目的信贷支持力度。这包括支持减排技术升级、化石燃料的清洁高效利用以及火电灵活性改造等项目。
Zhou Hao, a professor of the PBC School of Finance, which is part of Tsinghua University, said CBDCs could provide monetary authorities and governments a new means of economic stimulus through direct loans, which can improve the effectiveness of monetary policy.
清华大学五道口金融学院教授周浩表示，央行数字货币（CBDC）可以通过直接贷款为货币当局和政府提供一种新的经济刺激手段，这可以提高货币政策的有效性。这句话的翻译可能有多种版本，我尽量保持了原句的意思和结构，以下是另一个可能的翻译版本：周浩是清华大学五道口金融学院的一名教授，他认为中央银行数字货币（CBDC）能为货币管理机构和政府提供一种通过直接放贷来刺激经济的新方式，这将有助于提升货币政策的效果。如果你对翻译还有其他需求或疑问，欢迎继续提问！
PSBC continued to focus on the investment banking businesses of bond underwriting, syndicated loans, M&A finance, financial advisory, asset securitization and so on, and played an active role in improving the comprehensive financial service capabilities of corporate banking, increasing intermediary business income, and supporting the reform and transformation of the bank, according to its 2021 interim results announcement released on Friday.
根据周五发布的2021年中期业绩公告，中国邮政储蓄银行（PSBC）继续专注于债券承销、银团贷款、并购融资、财务顾问、资产证券化等投资银行业务，积极提升公司银行业务的综合金融服务能力，增加中间业务收入，支持银行的改革和转型。
At the end of June, its corporate loans amounted to 2.16 trillion yuan, up 9.19 percent from the end of last year.
截至6月末，该行公司类贷款余额2.16万亿元，比年初增长9.19%。
The balance of its inclusive loans to small and micro businesses was 890.5 billion yuan, accounting for more than 14 percent of its total loans.
其对小型和微型企业的包容性贷款余额为8905亿元，占其总贷款的14%以上。该机构对小企业和微型企业发放的包容性贷款总额达到了8905亿元人民币，这个数字占了该机构所有贷款总额的超过14%。这表明该机构在支持小、微企业方面做出了显著的努力。
It increased the green credit supply, with the balance of green loans standing at 317.1 billion yuan and the balance of green financing at 364.14 billion yuan, representing an increase of 12.87 percent and 13.88 percent, respectively, from the end of last year.
这句话的中文翻译是：“它”（这里可能指的是某个银行、金融机构或地区）增加了绿色信贷的供应，绿色贷款余额达到3171亿元，绿色融资余额为3641.4亿元，分别较去年末增长了12.87%和13.88%。
As of the end of June, its nonperforming loan ratio was 0.83 percent, falling 0.05 percentage point from the prior year-end.
截至6月末，其不良贷款比率降至0.83%，较去年底下降0.05个百分点。截止到六月底，该银行的不良贷款比例已经降低到了0.83%，相比去年年底的时候下降了0.05个百分点。这里提到的“非/不良贷款比率”（nonperforming loan ratio）是指银行或其他金融机构发放的贷款中，不能按时归还本金和利息的贷款所占的比例。这个指标是衡量金融机构资产质量的重要指标之一，比率越低说明资产质量越好，风险越小。而“下降0.05个百分点”则是指百分比单位的变化，即从某个数值下降了0.05%。希望这能帮到你！如果还有其他问题或需要进一步解释，请随时告诉我。
The ratio of its allowance to nonperforming loans was 421.33 percent, up 13.27 percentage points over the same period.
其贷款损失准备金与不良贷款的比率是421.33%，比去年同期上升了13.27个百分点。这句话的意思是，该银行或金融机构的贷款损失准备金（用于覆盖潜在贷款损失的储备金）相对于其不良贷款（借款人可能无法偿还的贷款）的比例为421.33%。这个比例相比上一年同期增加了13.27个百分点，表明该机构在风险管理方面采取了更加谨慎的态度，提高了对潜在信贷风险的准备水平。这样的高比例通常被视为良好的财务健康指标，因为它意味着有足够的资金来应对可能出现的贷款违约情况。不过，过高的比率也可能暗示信贷标准过于严格，或者不良贷款的实际问题被高估。总之，这是一个正面的财务指标，但需要结合其他因素综合分析。
The bank's non-performing loan ratio stood at 1.08 percent as of the end of June, a decrease of 0.10 percentage points from the previous year's end.
截至6月末，该银行的不良贷款比率为1.08%，较去年年底下降0.10个百分点。
"Suning's annual fiscal report for 2020 showed short-term loans of 23.7 billion yuan, with liabilities reaching 124.6 billion yuan while assets were worth 107.4 billion yuan.
苏宁在2020年的年度财务报告显示，短期贷款达到了237亿元，负债总额达到了1246亿元，而资产总值为1074亿元。
Suning's annual fiscal report for 2020 showed short-term loans of 23.7 billion yuan, with liabilities reaching 124.6 billion yuan while assets were worth 107.4 billion yuan.
苏宁在2020年的年度财务报告显示，短期贷款达到了237亿元，负债总额达到了1246亿元，而资产总额为1074亿元。
For enterprises facing greater financial pressure, Chen suggested they take proactive steps to maintain their capital flow through smooth sales, adjust strategy to lower loans to a controllable level and maintain financial stability.
陈建议,面对更大财务压力的企业应主动出击,通过顺畅的销售来保持资金流,调整策略将贷款降至可控制的水平,以维持财务稳定。具体来说:
Financial institutions will be encouraged to expand credit loans, first-time loans, medium- and long-term loans and loan renewals without principal repayment, and to promote the pay-as-you-go lending model.
鼓励金融机构扩大信用贷款、首贷、中长期贷款和无还本续贷规模，推广随借随还贷款模式。
The bank paid high attention to potential risks associated with the businesses that ran into temporary financial difficulties due to the pandemic and conducted multiple rounds of risk screening on clients whose repayment of principal and interest on loans has been delayed.
银行对那些因疫情而暂时出现财务困难的企业可能带来的风险给予了高度关注，并对贷款本金和利息偿还延期的客户进行了多轮风险筛查。
But the bank does not expect to see a large increase in its nonperforming loans overseas, and its credit risk will be generally under control, he said.
但他表示，该行预计海外非performing贷款不会大幅增加，信贷风险总体可控。
The bank will ramp up nonperforming loan clearance and disposal, adopt a multilayered approach to refine the management of clients whose loans turn sour, continuously improve risk offset capacity by setting aside adequate allowances for impairment losses on loans, and accelerate digital transformation of credit risk management," he said.
他称，银行将加大不良贷款清收处置力度，对不良贷款客户实施分层分类管理，持续提足拨备覆盖，增强风险抵补能力，并加快推进信贷风险管理数字化转型。
Thanks to China's gradual economic recovery and the bank's stepped-up efforts to resolve nonperforming loans, the asset quality of the bank has improved marginally.
得益于中国经济的逐步复苏以及银行加大了处理不良贷款的努力，该行的资产质量略有改善。
Its ratio of nonperforming loans was 1.46 percent at the end of 2020, falling 0.02 percentage points from the end of the previous quarter, although up 0.09 percentage points from the prior year-end.
截至2020年底，其不良贷款率为1.46%，较前一季度末下降0.02个百分点，但较上年同期上升0.09个百分点。
China Construction Bank Corp, a large State-owned commercial lender, disposed of 190.4 billion yuan ($29 billion) of nonperforming loans last year, up 20 percent from 2019.
中国建设银行(CCB)这家大型国有商业银行去年处置了1904亿元人民币(合290亿美元)的不良贷款，较2019年增长20%。
Overdue loans and advances to customers accounted for 1.09 percent of the total for last year, falling from 1.15 percent by the end of 2019.
去年，对客户逾期的贷款和垫款占总额的1.09%，低于2019年底的1.15%。
Allowances for impairment losses on loans to NPLs were 213.59 percent last year.
去年对不良贷款的减值损失准备金为213.59%。
This will be conducive to banks' efforts to mitigate risks associated with the loans offered to companies under the deferral policy for principal and interest repayments," said Wang Jingwu, vice-president of ICBC, China's largest State-owned commercial lender.
这将有助于银行降低对延期还本付息企业贷款的风险，”中国最大国有商业银行工商银行副行长王敬武表示。
While implementing the policy, the bank ensured its clients and loans which benefit from the policy met the relevant regulatory requirements.
在实施该政策时，银行确保其客户和享受该政策的贷款符合相关的监管要求。
It also carefully screened risks associated with such loans and took different measures to dissolve risks in an orderly manner, Wang said at a news conference announcing the bank's financial results for 2020.
王江在发布会上表示，该行还审慎排查此类贷款的风险，并采取不同措施有序缓释风险。
"As the pandemic is getting better and economic recovery is accelerating, a large part of corporate loans whose principal and interest repayments were deferred have restored the previous interest calculation methods, and the overall risk related to the rest of the loans remains controllable.
随着疫情形势的好转和经济复苏的加速，很大一部分之前延期偿还本金和利息的企业贷款已恢复了原有的利息计算方式，而对于剩余贷款的整体风险仍然可控。