【名词&注释】
财务报表(financial statement)、金融机构(financial institution)、长效机制(long-term mechanism)、中介机构(intermediary organization)、竞争对手(competitor)、经济周期(business cycle)、债券市场(bond market)、不良贷款率(ratio of non-performing loan)、多分支机构、金融债券(financial bond)
[多选题]下列关于不良贷款率(ratio of non-performing loan)的说法中,正确的有( )。
A. 不良贷款率(ratio of non-performing loan)=不良贷款平均额/总贷款平均额×100%
B. 不良贷款率(ratio of non-performing loan)=不良贷款余额/总贷款余额×100%
C. 不良贷款率(ratio of non-performing loan)高,说明收回贷款的风险大
D. 不良贷款率(ratio of non-performing loan)低,说明收回贷款的风险小
E. 不良贷款率(ratio of non-performing loan)高,说明收回贷款的风险小