貸し倒れ

• Reading: かしだおれ
• Romaji: kashidaore
• Kanji breakdown: 貸 (tai/ka) — lend; 倒 (tou/tao) — fall, collapse
• Pronunciation: /ka.ɕi.da.o.ɾe/

Meaning

Bad debt; an uncollectible loan or receivable that must be written off as a loss because the debtor cannot or will not pay.

A noun referring to a loan or credit extended that will not be repaid. Companies must set aside 貸し倒れ引当金 (bad debt provision) to account for expected losses. During economic downturns, rising 貸し倒れ rates can severely impact banks and businesses. Also written as 貸倒れ or 貸倒. In banking regulation, 不良債権 (non-performing loans) is the broader category that encompasses 貸し倒れ.

Examples

1. 取引先が倒産し、売掛金が貸し倒れになるリスクが生じた。 A business partner went bankrupt, creating a risk that the accounts receivable would become a bad debt.
2. 金融機関は不良債権の増加に備えて貸し倒れ引当金を積み増した。 Financial institutions increased their bad debt provisions in preparation for a rise in non-performing loans.
3. 中小企業は大手に比べ貸し倒れのリスク管理が難しい。 Compared with large corporations, small and medium-sized businesses find it more difficult to manage bad debt risk.

Usage Guide

Context: banking, finance, accounting, business

Tone: neutral

Origin & History

Compound of 貸し (kashi — lending) and 倒れ (daore — falling, collapsing). Literally, a loan that falls over or collapses — money lent out that never returns to the lender.

Cultural Context

Era: Modern

Generation: Adults

Social background: Business professionals