Current location - Loan Platform Complete Network - Bank loan - The risk classification of credit assets should focus on evaluating the borrower's repayment ability. What factors should be considered?
The risk classification of credit assets should focus on evaluating the borrower's repayment ability. What factors should be considered?
(1) The borrower's repayment ability. Including the borrower's cash flow, financial situation, non-financial factors affecting repayment ability, etc.
(2) Borrower's repayment record.
③ The borrower's willingness to repay.
Efficiency in the use of credit funds or profitability of loan projects.