loan charge-offs的意思|示意

Moody’s, a ratings agency, has estimated banks’ total loan charge-offs between 2008 and 2011 at $744 billion, of which $476 billion has already been recognised in their accounts.

评级机构穆迪（Moody’s）估计，2008年到2011年将一共会有7440亿美元的不良贷款会被冲销掉，而其中已经有4760亿美元在银行的账目上体现了出来。

Citigroup's Horowitz forecast loan loss provisions and net charge-offs of bad debt at Bank of America will stay flat or improve modestly from the first quarter.

花旗集团分析师霍诺·维茨预测，美洲银行的贷款损失准备金和坏债净销帐将和上一季度持平，或有所改善。

He gave even more optimistic estimates for J.P. Morgan, with loan loss provisions falling 8% and net charge-offs down 3%.

他对摩根大通的预测更为乐观，预计贷款损失准备金将减少8%，净销帐减少3%。

If that is the science, the art is in looking at the riskiness of J. P. Morgan's loan books and guessing whether charge-offs could yet swamp the provisions if economic conditions get much worse.

如果这些是客观层面，那么投资者还需要分析摩根大通贷款帐目面临的风险，并猜测如果经济状况继续恶化，该行的资产冲销是否会吞掉准备金。