譯文（字數 3770）：

不良貸款的管理和回收

威廉J鮑姆，阿倫S布林德

摘  要 隨著我國金融體系建設的進一步發展和市場體制的迅速完善，銀行的貸款業務逐漸向個人完全展開，個人貸款的業務種類不斷增多，業務范圍持續擴大，特別是個人住房貸款業務的發展更為迅猛。我國個人住房貸款業務在其發展的同時，存在的不良信貸風險問題以及競爭形勢不容樂觀，在一定程度上阻礙了個人住房貸款業務的發展，要持續快速發展，必須加強對一系列問題的研究管理。本文從分析目前不良貸款的情況，指出存在的問題以及問題出現的原因，并著重針對商業銀行對不良貸款的回收和管理，借鑒先進的經驗教訓，并提出思考及相應對策進行管理，以加快這一業務的正確快速發展。

關鍵詞： 不良貸款 管理 回收

外文原文（字符數 12546）：

Applied Economics, the Dryden Press, 2006 P75-78.

Non-performing Loans Management and Recovery

William J. Bauman and Alan S. Blinder 

Abstract

With the deepening of China's economic system reform development and continuous improvement of the system of the market economy, banks ' lending business becomes completely open to individuals, personal loans of business growing, continues to expand the scope of business, especially the development of individual housing loan more quickly. Personal housing loan business in China at the time of its development, there are bad credit risks as well as the competitive situation is not optimistic, to a certain extent, hamper the development of individual housing loans, to sustainable development, research management must be strengthened on a number of issues. This article from the current development status of individual housing loan business to start, pointed out that because of the existing problems as well as problems and focus on how to develop personal housing loan bad credit risk reduction, foreign experiences and lessons learned, and thoughts and countermeasures for management, to promote the healthy and rapid development of the business.

Key words: Housing loans to individuals; Bad credit risks; present situation; problem;  Countermeasure