未偿贷款 outstanding loans

 　　由于银根紧缩，企业贷款融资受到很大限制，小企业更是首当其冲。为了扶植小企业的发展，银监会近日表示，监管部门对小企业不良贷款率的容忍度可以提高到5%。

　　请看新华社的报道：

　　Outstanding loansto small firms grew 26.6 percent year-on-year to hit 9.85 trillion yuan ($1.55 trillion) at the end of July, said Xiao Yuanqi, an official in charge of financial services for small enterprises at the China Banking¹ Regulatory Commission.

　　中国银监会小企业贷款负责人肖企远表示，截至7月末，小企业未偿贷款达到9.85万亿元(1.55万亿美元)，同比增长26.6%。

　　文中的outstanding loan就是指“未偿贷款”，也就是尚未偿清的贷款余额。Outstanding在这里指未偿付的，或者未解决的、未完成的，比如The outstanding debts must be paid by the end of the month.(未偿债务须在月底前偿还。)此外，outstanding一般用来指显著的，杰出的，比如outstanding actress(杰出的女演员)。

　　银根缩紧后，针对银行的capital-adequacy ratios(资本充足率)和loan-deposit ratios(存贷比)的考核更加严格，micro-credit company(小额贷款公司)业务量上升，但也要严防bad loans(呆账/不良贷款)增加。有些cash-strapped companies(资金紧张的公司)铤而走险，向private lenders(私人贷款主)欠下高利贷，也给信贷体系埋下危机。

1 banking   

n.银行业，银行学，金融业

参考例句：

• John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
• He possesses an extensive knowledge of banking.他具有广博的银行业务知识。