mèng jiā lā guó
孟加拉国
yín háng
银行
huài zhàng
坏账
wèn tí
问题
Bad Debt Problems in Banks of Bangladesh
mèng jiā lā guó孟加拉国de的yín háng银行yǒu有hěn很duō多huài zhàng坏账 。
There are many bad debts in the banks of Bangladesh.
huài zhàng坏账shì是zhǐ指jiè借chū qù出去de的qián钱méi yǒu没有hái还huí lái回来 。
Bad debt means the money lent out has not been paid back.
xiàn zài现在 ，yín háng银行yí bàn一半de的qián钱dōu都biàn chéng变成le了huài zhàng坏账 。
Now, half of the banks' money has become bad debt.
zhè xiē这些qián钱běn lái本来kě yǐ可以yòng lái用来bāng zhù帮助xīn新gōng sī公司 、chuàng zào创造gōng zuò工作jī huì机会 ，dàn但xiàn zài现在bèi kùn被困zhù住le了 。
This money could have been used to help new companies and create jobs, but now it is stuck.
rú guǒ如果bù不jiě jué解决huài zhàng坏账wèn tí问题 ，mèng jiā lā guó孟加拉国de的jīng jì经济huì会biàn变màn慢 ，nián qīng rén年轻人yě也hěn很nán难zhǎo dào找到gōng zuò工作 。
If the bad debt problem is not solved, Bangladesh's economy will slow down, and young people will find it hard to get jobs.
huài zhàng坏账yǒu有bù tóng不同de的yuán yīn原因 ，yǒu有de的gōng sī公司yīn wèi因为shēng yì生意bù hǎo不好hái还bù不shàng上qián钱 ，yǒu有de的gōng sī公司běn lái本来yǒu qián有钱dàn但bù不hái还qián钱 。
There are different reasons for bad debts; some companies cannot pay back because their business is bad, and some companies have money but do not repay.
yín háng银行xū yào需要yǒu有gèng更hǎo好de的bàn fǎ办法lái来chǔ lǐ处理zhè xiē这些huài zhàng坏账 ，bǐ rú比如ràng让zhuān yè专业gōng sī公司bāng máng帮忙shōu huí收回qián钱 ，huò zhě或者bù zài不再jiè qián借钱gěi给nà xiē那些bù不huán qián还钱de的rén人 。
Banks need better ways to handle these bad debts, such as hiring professional companies to help recover the money or not lending money to those who do not repay.
zhèng fǔ政府yě也yào要yǒu有gèng更yán gé严格de的guī dìng规定 ，bǎo hù保护xiǎo小chǔ hù储户 ，bù不ràng让yín háng银行luàn乱jiè qián借钱 。
The government also needs stricter rules to protect small savers and prevent banks from lending money recklessly.
zhǐ yǒu只有zhè yàng这样 ，mèng jiā lā guó孟加拉国de的yín háng银行hé和jīng jì经济cái néng才能biàn dé变得gèng更hǎo好 。
Only in this way can the banks and economy of Bangladesh improve.