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The experience of overcoming npl problems since the 1990s .

90年代以来,克服不良贷款问题的经验。

China construction bank 's npl ratio dipped to 1.09 % from 1.14 % at the end of 2010 .

中国建设银行的不良贷款率降到了1.09%，而2010年末则为1.14%。

Npl ratios are low , and indeed falling .

不良贷款率较低，实际上正在下降。

Regulators must first re-examine the structure of the china npl market .

监管部门必须重新审视中国不良贷款市场的结构。

Suspended rates cut and mitigated npl concerns , raise earning forecasts and target prices for banks .

降息暂停以及不良贷款忧虑减轻,上调中资银行盈利预测及目标价。