(1) The borrower suffers from operating losses, so it is difficult to pay and obtain supplementary funds, and the cash flow from operating activities is negative; (2) The borrower cannot repay the debts of other creditors; (3) The borrower has to maintain production and operation by selling or selling off the main production and operation fixed assets, or raise repayment funds by auction of collateral and performance of guarantee responsibilities; (4) The borrower obtains the loan by improper means such as concealing the facts; (5) There are problems in the internal management of the borrower, which cause substantial damage to the normal operation and hinder the timely and full repayment of debts; (6) The borrower is in a semi-closed state, and the guarantee is average or poor; (seven) to clean up the loan principal and interest and preserve assets for the purpose of "borrowing new and returning old" loans; (8) Restructured loans that can repay the principal and interest; (9) Incomplete credit files and loss of important legal documents have a substantial impact on repayment; (10) The borrower's loans in other financial institutions are classified as suspicious; (1 1) Loans issued in violation of national laws and administrative regulations; (12) Off-balance-sheet loans or advances with overdue principal or interest of 9 1 day to 180 days (inclusive) are 3 1 day to 90 days (inclusive). Sub-category reference characteristics: a. It is difficult for borrowers to pay and obtain new funds. B neither the normal operating income of the borrower nor the guarantee provided can guarantee the bank to recover the loan principal and interest in full. C. Due to the deterioration of the borrower's financial situation or inability to repay, it is necessary to make major adjustments to the repayment terms of the loan contract. D, loans overdue (including after the extension) for more than 90 days to 180 days (including). E. The loan is overdue for more than 90 days to 180 days (inclusive). Data 2: Sub-prime loans. Other banks also listed the following characteristics: the borrower's net cash flow is negative, payment is difficult, the borrower cannot repay the debts of other financial institutions, the borrower's internal management problems hinder the repayment of debts, the estimated loan loss is below 30%, and the loan principal is overdue by 9 1 day to 180 days (inclusive).

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