金融英語閱讀：貸款拖欠管理

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. When a customer or company has a loan granted to them by a bank, they are contractually obligated to repay this loan with interest. The bank protects itself by obtaining security to cover against losses, conducting credit checks and making sure that the client has the ability to repay the loan.

貸款拖欠是銀行陷入困境的主要原因，而且正是由于這個(gè)原因，許多銀行才有了專門的信貸風(fēng)險(xiǎn)管理部門。當(dāng)客戶或公司獲得了一筆銀行貸款時(shí)，根據(jù)合同他們有義務(wù)連本帶利償還這筆貸款。銀行通過為其損失保險(xiǎn)、管理信貸支票以及確保客戶有能力償還貸款來保護(hù)自身。