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並前往https://pubdocs.worldbank.org/en/372351569367201917/FinSAC-NPL-Write-offs-CESEE-Region.pdf

Non-Performing Loan Write-Offs: Practices in the CESEE region

8 It is assumed that banks write off NPLs and sell uncollectable loans to debt collection agencies. If banks decide to hold assets over a short term (1 year).

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