The deviation degree of loan classification refers to the degree of deviation of loan classification. There are differences between the operating results of the five-level loan classification and the actual situation, including the deviation of the four-level non-performing loan classification and various deviations of the five-level classification.

The concept of loan deviation is the change of loan classification authenticity from qualitative analysis to quantitative analysis. It is also a process of quantifying, analyzing, deepening and refining the loan classification results.

The loan deviation proposed by the banking regulatory bureau is actually the difference of loan deviation, that is, the approved non-performing loan ratio MINUS the non-performing loan ratio reported by the credit union (loan deviation = non-performing loan ratio). G loans verified and measured-non-performing loan ratio reported by credit cooperatives)

Extended data:

Matters needing attention in loan:

1, moderate lending: When applying for a loan, users must fully consider the financial situation of individuals and families, and the monthly repayment amount should not exceed 50% of the total monthly income of families.

2. Loan users should choose appropriate loan products: individuals need to choose appropriate loan varieties, loan terms and repayment methods according to their own conditions.

3. Maintain good personal credit: individuals need to maintain a good credit record. Once the credit record is bad, it will directly affect the operability of the loan and even be refused by the bank.

Notice of China Banking Regulatory Commission on Strengthening the Management of Deposit Deviation of Commercial Banks

Baidu encyclopedia-loan deviation