不良贷款 non-performing loans
Many loans become non-performing after being in default for 3 months, but this can depend on the contract terms.
拖欠期达3个月的贷款就成为不良贷款，但不良贷款也要视合同条款而定。
Since the companies would not recover from the recession soon, there may be serious crisis concerning non-performing loans.
由于这些公司无法很快摆脱衰退，因此可能会出现严重的不良贷款危机。
