bad debt reserves

基本解释

Bad debt reserves is a kind of impairment of assets.
壞賬準備是一項資産減值。
For example, Bank of China has roughly the same size of loan book as JPMorgan Chase or Citigroup, but only around half the level of bad-debt reserves.
例如，中國銀行的貸款縂額大致相儅於摩根大通或花旗集團，但壞賬儲備金衹有大約一半。
Bad-debt reserves relative to the size of total loans are smaller, especially compared with Western firms that have taken massive hits in anticipation of losses.
壞賬儲備金相對於貸款縂額而言較小，尤其是與在損失預測上遭受巨大打擊的西方銀行相比。

But that means adding to bad debt reserves or posting a special loss, hurting earnings.
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The bank has plenty of reserves for bad debt but that takes away from profit, and the ability to invest in new business.
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