双逾贷款是指一笔贷款到期后，由于借款人自身原因，银行或其他金融机构在合理期限内进行了两次或以上催收，但借款人仍未能按期还款的贷款。这种贷款逾期的情况被称为“双逾”，即逾期时间超过正常还款期限并且经过两次以上催收仍未收回本息的贷款。

中文内容：

双逾贷款指的是一笔贷款在到期后，由于借款人自身原因，银行或其他金融机构在合理期限内进行了两次或以上催收，但借款人仍未能按期还款的贷款。这种情况下，逾期时间超过了正常的还款期限，且经过了两次或以上的催收，这种贷款逾期情况被称为“双逾”。

双逾贷款的出现通常与借款人的还款能力或还款意愿有关。可能是由于借款人的收入状况不佳、失业、疾病或其他意外事件导致其无法按时还款。也可能是借款人故意拖欠贷款，例如恶意逃避债务或欺诈行为。

对于银行或其他金融机构而言，双逾贷款是一种不良贷款，会给其带来财务损失和风险。因此，金融机构会采取一系列措施来追讨双逾贷款，例如通过律师发函、电话催收、上门催收等方式。如果借款人仍无法偿还贷款，金融机构可能会采取法律手段来维护自身权益。

为了避免双逾贷款的发生，借款人应该提前规划好自己的还款计划，确保按时还款。同时，金融机构也应该加强贷款审批和监管，及时发现和解决潜在问题。

英文内容：

Double-overdue loans refer to a loan that, after its maturity date, is not repaid by the borrower within a reasonable period of time due to the borrower's own reasons. The bank or other financial institution then conducts two or more rounds of collections within this reasonable period, but the borrower still fails to repay the loan on time. This type of loan delinquency is called a "double overdue", referring to the situation where the overdue period exceeds the normal repayment period and requires two or more rounds of collections to recover the principal and interest.

The occurrence of double-overdue loans is often related to the borrower's repayment ability or willingness. It may be due to the borrower's poor income situation, unemployment, illness, or other unexpected events that prevent them from making timely repayments. Alternatively, it could be that the borrower is deliberately defaulting on the loan, such as engaging in debt evasion or fraudulent behavior.

For banks or other financial institutions, double-overdue loans are non-performing loans that can lead to financial losses and risks. Therefore, financial institutions take a series of measures to recover double-overdue loans, such as sending letters through lawyers, making phone calls for collections, conducting on-site collections, and more. If the borrower still fails to repay the loan, the financial institution may take legal action to safeguard its own interests.

To avoid the occurrence of double-overdue loans, borrowers should plan their repayment schedule in advance to ensure timely repayments. At the same time, financial institutions should also strengthen loan approval and supervision to promptly identify and address potential issues.