loan defaults meaning in Chinese

贷款违约
贷款无力偿还

Loan default is the main reason that bank ' s get into trouble and it is for this reason that many banks have dedicated credit risk management departments
贷款拖欠是银行陷入困境的主要原因，而且正是由于这个原因，许多银行才有了专门的信贷风险管理部门。
This paper is aimed at two central problems which exist in the credit risk management of the portfolio : first , if the loan defaults , how much loss there will be ; second , how much reserve that the bank must prepare for the loss caused by risk , and do a deeply research on the related question and have a calculation in detail
本文针对商业银行贷款组合信用风险管理中存在的两个基本问题：一、如果贷款发生违约时，具体损失有多少；二、银行要准备多少资本金才能应付风险造成的损失，就相关内容做了详细的数值计算和深入探讨。