D

打白条 issue IOU

大额存单 certificate of deposit (CD)

大额提现 withdraw deposits in large amounts

大面积滑坡 wide-spread decline

大一统的银行体制 (all-in-one) mono-bank system

呆账（请见“坏账”） bad loans

呆账准备金 loan loss reserves (provisions)

呆滞贷款 idle loans

贷款沉淀 non-performin