双逾贷款是指借款人的贷款到期后，未按时还款，逾期时间超过贷款合同约定的宽限期，同时逾期金额超过两个月的贷款。

中文内容：

双逾贷款是指借款人的贷款到期后，未按时还款，逾期时间超过贷款合同约定的宽限期，同时逾期金额超过两个月的贷款。双逾贷款的形成原因是多方面的，如借款人还款能力不足、资金周转不灵、恶意拖欠等。

双逾贷款对银行和借款人都会产生负面影响。对于银行而言，双逾贷款会导致不良贷款率上升，影响银行的资产质量。对于借款人而言，双逾贷款会影响个人信用记录，对个人信用评分造成负面影响，甚至可能面临被起诉和强制执行的风险。

为了降低双逾贷款的风险，银行可以采取多种措施。首先，银行应该加强风险评估，对借款人的还款能力和信用状况进行全面了解。其次，银行可以设置合理的宽限期，为借款人提供一定的缓冲时间。此外，银行可以通过催收、法律途径等方式来追回逾期贷款。

英文内容：

Double-overdue loans refer to loans where the borrower has not made the repayment on time after the loan matures, with the overdue time exceeding the grace period specified in the loan contract and the overdue amount exceeding two months of the loan. The reasons for the formation of double-overdue loans are multiple, including insufficient repayment ability of the borrower, cash flow difficulties, and malicious拖欠delinquency.

Double-overdue loans can have negative impacts on both banks and borrowers. For banks, double-overdue loans can lead to an increase in non-performing loan ratios and affect the quality of bank assets. For borrowers, double-overdue loans can affect their credit records, negatively impact personal credit scores, and even face the risk of being sued and forced to repay.

To reduce the risks of double-overdue loans, banks can take multiple measures. First, banks should strengthen risk assessment by fully understanding the repayment ability and credit status of borrowers. Second, banks can set reasonable grace periods to provide borrowers with a certain buffer time. Additionally, banks can pursue overdue loans through collection, legal recourse, and other means.