It is acceptable for banks to form a non-performing loan ratio. For example, the loan bank 1 100 million can require the loss to be controlled within 500,000, and 50 is the bank's tolerance. It is unacceptable for banks to exceed this value.
Second, how to calculate the deviation of non-performing loans of banks?
Random sample deviation = new non-performing loans in random sample ÷ actual non-performing rate of random sample loan scale = (random sample deviation × original non-performing rate of credit scale in the whole jurisdiction) ÷ deviation of credit scale in the whole jurisdiction = actual non-performing rate-reported non-performing rate * * * Assume that there are 50 million loan households 100 households in the sample, and 99 households are normal. 1 household 1 10,000 yuan is Grade II, and the defective rate is 2%. During the actual inspection, it was found that there should be 2 households whose RMB 5 million is Grade II or suspicious, so the deviation degree of non-performing loans is 500 (total amount of new non-performing loans or non-performing loans) /5000 (total sample amount) = 10%. If it is found that there is also a classification between normal concerns.
3. How to calculate the deviation of non-performing loans of banks?
The calculation formula of deviation degree of non-performing loans of banks is as follows
Sample deviation = amount of new non-performing loans in sample ÷ sample loan scale; Actual NPL ratio = (deviation of random sample × credit NPL scale in the original jurisdiction) ÷ credit scale in the jurisdiction; Deviation = actual defect rate-reported defect rate.
The deviation of non-performing loans is an inverse index to measure the accuracy of loan classification, that is, the greater the deviation index value, the worse the classification accuracy; The smaller the deviation index value, the higher the classification accuracy. Relative deviation and absolute deviation between standard and non-performing loan ratio.
Extended data:
Type of non-performing loans:
1, due) Non-repayable credit loan).
2. Sluggish loans: refers to overdue loans (including those due after extension) and loans that cannot be repaid. Although they are not due or overdue for less than two years, in the first quarter report issued by ICBC, the non-performing loan ratio has dropped to 3.6%.
3. Creditors and guarantors are declared bankrupt according to law and can't pay off loans after paying off; According to the provisions of General Principles of Civil Law of People's Republic of China (PRC) and General Principles of Civil Law of People's Republic of China (PRC), a loan that cannot be repaid after the borrower dies or is declared missing or dead.
The borrower suffers from major natural disasters or accidents, resulting in huge losses, and is unable to obtain insurance compensation, loans or loans that cannot be repaid after insurance settlement; The lender's proceeds from disposing the loan collateral according to law are not enough to offset the collateral; Through the State Council.