According to the quality, loans can be divided into five categories: normal loans, concern loans, subprime loans, loanable loans and loss loans.
Analysis:
Loans, sub-prime loans and doubtful loans D Concerned loans, doubtful loans and loss loans
2. What are the three types of non-performing loans?
Non-performing loans include subprime loans, doubtful loans and loss loans, and the losses of these three lending banks are gradually increasing. At this loss stage, the borrower has no repayment ability, and no matter what measures are taken, it will lead to loan losses.
The five types of loans are as follows:
1. Normal loan: The debtor can perform the contract, and there is no sufficient reason to suspect that the debtor cannot repay the debt in full and on time.
2. Pay attention to the loan: Although the debtor has the ability to repay the debt at present, there are some factors that may adversely affect the repayment.
3. Subprime loan: The debtor's repayment ability has obvious problems, and it can't fully repay the loan principal and interest by relying entirely on its normal operating income. Even if the guarantee is implemented, it may cause certain losses.
4. Suspicious loan: The borrower can't repay the loan principal and interest in full, even if the guarantee is implemented, it will definitely cause great losses.
5. Loss loan: After taking all possible measures or all necessary legal procedures, the principal and interest can still not be recovered, or only a small part can be recovered.
Extended data
Middle school class
(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 auctioning the collateral and performing the guarantee responsibility;
(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-suspended 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) Loans issued by borrowers 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).
Subclass reference features:
A, the borrower has difficulty in payment, and it is difficult to 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 unable to repay, it is necessary to make major adjustments to the repayment terms of the loan contract.
D, loans overdue (including after the extension) is 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, so it is difficult to pay, the borrower can't repay the debts of other financial institutions, and the borrower's internal management problems hinder the repayment of debts. It is estimated that the loan loss is below 30%, and the loan principal is overdue by 9 1 day to 180 days (inclusive).
Suspicious class
(1) The borrower is in a suspended or semi-suspended state, and the fixed asset loan project is in a suspended or postponed state;
(2) The borrower is actually insolvent;
(3) The borrower enters the liquidation procedure;
(4) The borrower or its legal representative is involved in a major case, which has a significant impact on the normal business activities of the borrower;
(five) after the reorganization of the borrower, it is difficult to implement the debts of the rural cooperative financial institutions or it is impossible to repay the principal and interest normally although it has been implemented;
(6) After many negotiations, it is obvious that the borrower has no willingness to repay;
(7) have recourse to legal recourse for loans;
(8) The principal and interest cannot be repaid normally after the loan restructuring;
(9) Loans of borrowers in other financial institutions are classified as losses;
(10) Loans or advances for off-balance sheet business with overdue principal or interest exceeding 18 1 day exceed 9 1 day.
Reference characteristics of suspicious categories:
A. Due to the deterioration of the borrower's financial situation or inability to repay, the loan is still overdue or the borrower is still unable to repay the loan after the bank adjusts the repayment terms of the loan contract.
B the borrower has been closed or semi-closed for more than half a year, and its income source is unstable. Even if the guarantee is implemented, the loan will certainly cause great losses.
C, due to business deterioration, litigation and other reasons, the project is suspended or postponed.
D the borrower's asset-liability ratio exceeds 100%, and it continues to lose money in that year.
E. the bank has filed a lawsuit, but the execution procedure has not yet ended, so the loan cannot be fully paid off and the loss is large.
F, loans overdue (including after the extension) exceeds 180 days.
G. the loan interest is overdue for more than 180 days.
Data 3: Suspicious loans, examples of specialized banks are:
It is estimated that the loan loss rate is between 30% and 90%; The overdue loan principal (including after extension) is above 180.
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Three. What should non-performing loans include?
A. Overdue loans B. Concerned loans C. Dull loans D. Bad debts