巴基斯坦银行部门由于法院工作缓慢和执法不力,限制了信贷准入,因此与巨额不良贷款抗争不休。 Pakistan’s banking sector struggles with high bad loans due to slow courts and weak enforcement, limiting credit access.

巴基斯坦银行部门面临着日益恶化的贷款复苏危机,由于法律制度运作不良,不良贷款比全球平均水平高出7.4/well。 Pakistan’s banking sector faces a worsening loan recovery crisis, with non-performing loans at 7.4%—well above global averages—due to a dysfunctional legal system. 尽管2001年颁布了《恢复法令》,但法院仍因拖延、上诉和中止令而陷入困境,而资产扣押往往因执行不力而失败。 Despite the 2001 Recovery Ordinance, courts are bogged down by delays, appeals, and stay orders, while asset seizures often fail due to lack of enforcement. 缺乏政府支持的私人银行日益避免向中小企业和农民贷款,担心无法收回的损失。 Private banks, lacking government backing, are increasingly avoiding lending to SMEs and farmers, fearing unrecoverable losses. 来自顶层银行的数据显示,有数十亿个待审案件和判决的资产被搁置执行中,尽管全部数字仍未披露。 Data from top banks shows billions in pending cases and decreed assets stuck in execution, though full figures remain undisclosed. 没有系统改革,获得信贷的机会将继续受到限制,阻碍经济增长。 Without systemic reforms, credit access will remain constrained, hindering economic growth.