银行贷出后，借款人不能根据借款合同按时、足额支付利息和归还本金的贷款non-performing loan on which interest and payments are overdue

• 有专家认为，一味责怪银行被不良贷款吓破了胆、漠视无形资产似乎有点过分。

  Some experts think that it is unfair to blindly blame the banks for being terrified by non-performing loans and overlooking their intangible assets.

• 希腊经济长期衰退导致银行不良贷款增多。

  The long term recession in the Greek economy has resulted in a growing number of non-performing loans.