At present, the general classification of domestic loans by quality is five-level classification: that is, loans are divided into normal, concerned, secondary, suspicious and loss categories according to their quality (risk degree).
2. According to the twelve-level classification management method of loan risk, if the customer status is suspended, the loan risk classification result shall not be better than (). A. Level of concern ...
Answer: c
Analysis: According to the twelve-level classification management method of loan risk, the customer status is divided into two levels: normal and disabled. If the customer status is deactivated, the credit asset quality classification result shall not be better than Grade II.
Third, record their types in English.
Record their kinds.
Record their types
Record their kinds.
Record their types
4. Detailed introduction of the twelve-level classification of loans (in Chinese and English)?
In fact, it is the five-level classification in subdivision. . .
System Overview _ _ Five-level (Twelve-level) Classification Definition
Normal loan:
Normal: The debtor can perform the contract, and there is no sufficient reason to suspect that the loan principal and interest and other debts (including contingent debts) cannot be repaid in full and on time. (divided into four grades: excellent-normal level; Excellent-normal level 2; Sub-optimal-normal level 3; Excellent-Normal Level 4)
Concern: Although the debtor has the ability to repay the loan principal and interest and other debts at present, there are some factors that may adversely affect the repayment of debts. (Divided into three levels: general concern-concern level1; Attention-pay attention to the second level; Special attention-attention level 3)
Non-performing loan: sub-loan: the debtor has obvious problems in its solvency, and cannot fully repay the loan principal and interest and other debts by relying entirely on its normal operating income. Even if the guarantee is implemented, it may cause certain losses. (divided into two levels: poor-medium level; Poor-suspicious: the debtor can't repay the loan principal and interest and other debts in full, even if the guarantee is implemented, it will definitely cause heavy losses. (divided into two levels: very poor-suspicious level; Extremely poor-suspicious secondary loss: after taking all possible measures or all necessary legal procedures, the loan principal and interest and other debts are still unrecoverable, or only a very small part can be recovered.