分别以2010 年6 月底的不良贷款率（NPL Ratio）和不良贷款虚拟变量（NPLD） 来衡量。其中，不良贷款虚拟变量（NPLD）定义如下：如果银行不良贷款大于 0，则取值 为1，否则为0。
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Implied NPL ratio 隐含坏帐率
New NPL Formation Ratio 不良贷款形成率
NPL Provisioning Coverage Ratio 不良贷款拨备覆盖率
The result proves:how much probability that financial regulatory departments select to inspect loans is depend on the parameter. So if the credit management capacity and regulatory capacity is improved the NPL ratio will be lower effectively.
结果证明,金融监管部门选择检查的概率的大小依赖于金融监管部门与商业银行经理的行为参数,因此, 提高信贷管理能力和监管能力才能有效地降低国有商业银行的不良贷款率。
参考来源 - 国有商业银行不良贷款的博弈分析·2,447,543篇论文数据，部分数据来源于NoteExpress
Today the country is a breeding ground for the world's largest and most profitable banks with an average NPL ratio of just 1.3 per cent as of the end of last month.
如今，国家正在为未来的世界上规模最大且收益最丰的银行奠定基础，而且上月底的平均坏账率仅为1.3%。
Furthermore, China CITIC bank has made dramatic improvement in assets quality in recent years, and its NPL ratio is much lower than the average level of listed Banks.
近几年来，中信银行信贷资产不良率大大低于上市银行的平均水准，资产品质显著提高。
Notes: loan structure of Company is further optimized in terms of industries, geographical areas and types of products, with sound overall quality of loans; and NPL ratio continued to drop.
说明：公司贷款行业、地区、品种结构进一步优化，贷款资产质量总体良好，不良贷款占比持续下降。
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