The asymmetric background conductance linear in bias voltage usually o
bserved in Ba1-xKxBiO3 superconductor-insulator-normal (SIN) tunnel ju
nctions is associated with a zero-bias conductance linear in temperatu
re above the superconducting transition. The ratio of the temperature
coefficient and the voltage coefficient provides insight into the mech
anism causing the linear background conductance. We present a simple m
odel involving tunneling through two-particle states (negative-U, bipo
laron) in the barrier that explains the linear background, the asymmet
ry, and the linear temperature dependence of the conductance. Measurem
ents of native-barrier Ba1-xKxBiO3 tunnel junctions are in quantitativ
e agreement with the model.