A: The official bad debt rate of banks is only allowed to be 1.67%.

Mainly as follows:

1, the official bank is 1.67%. According to the 90-day overdue rate prevailing in the industry, Jin Lu is below 1.5%, and the converted adult bad debt rate is 5%-6%.

2. China has increased the restrictions on large state-owned banks, requiring the five largest domestic banks to keep the proportion of non-performing loans below 5% after financial restructuring.

3. Bad debt rate is the ratio of bad debts to total credit sales, and bad debt rate = annual bad debts/total credit sales.

Second, how much is the bad debt rate controlled?

During the decades of economic development in China, we have been constantly learning the technology and living habits of overseas countries. In the past, the traditional idea of China people was to save money first, but now it's different. The concept of overdraft consumption has been engraved into the cognition of a new generation of young people, such as credit cards, flowers, loans and so on.

For example, if we need it at ordinary times, credit cards and flower beds can solve our "urgent needs". Credit cards are quite convenient and cost-effective. After all, if you repay on time, the bank will also provide you with many interest-free repayment activities. Of course, the consumption impulse of modern young people is not ruled out. For them, living in the present is the most important thing. While enjoying the beauty brought by material things, they forget the trouble of repayment. To some extent, overdue credit cards are still common in modern society, and not all the money lent by banks can be recovered. According to the bank's financial data, the bad debt rate is generally between 1%-2.5%.

In fact, whether individuals or enterprises, there will be some debt problems more or less. In all loans, there are some bad loan records. Some may just have no money to pay back temporarily, and some may have bad debts from Chen Hengwei, so it is difficult to recover the money taken out. So how do banks deal with this situation? Why are some people's loans overdue for a long time, but banks never take the initiative to recover them? Is it because the money can be returned?

In fact, banks naturally have special methods to deal with these overdue situations. Generally speaking, banks will take different measures according to the length of overdue time. Even if the overdue time is too long, it doesn't matter if it becomes a "bad debt", because in contrast, it is not the bank that suffers the most, but the lender himself.

For example, if it is overdue for 3 months, the overdue time is very short, and the bank will be handled by professionals. In other words, if the bank will not manage these overdue situations by itself, it will ask the debtor to repay in time through telephone, SMS and other communication methods. As long as you still have repayment intention, you can negotiate with the bank to extend the repayment bill.

For example, if loans overdue is more than 6 months 1 year, it is actually long overdue, but the bank will still communicate with the debtor. If there is nothing to mortgage during the loan period, then the bank will choose the "compulsory" way to take away and sell your assets. If the money you take is not enough to pay off your debts, then the bank will choose other ways to solve it. For example, if the overdue time has exceeded one year, the probability of being judged as a bad debt will be great. Even the collection agency is difficult to recover the funds, but in most cases it is still treated as bad debts. But don't think that you can't pay back the money. If you don't pay back the money for a long time, it will lead to problems in your credit information. If the loan is not much money, you will be blacklisted, which will have a great impact on you. It can be said that it is quite "not worth the candle".

So, if you have money, I suggest you pay off the debt of the fund first. If there is something wrong with the credit information, your future life will be subject to many restrictions. For example, you can give up the loan to buy a house or buy a house directly, and even seriously affect your travel problems.

Third, what is the bank bad debt rate?

This is an estimate. According to the bad debts in previous years, estimate the proportion of bad debts this year, because it is impossible to recover all the money, there must be losses, just like the provision for bad debts in enterprises. If an enterprise owes something to a merchant, there will always be merchants who don't pay back the money when it expires, or for other reasons, that is bad debts.

4. What is the allowable range of bank bad debt rate?

Y is not optimistic about the bad debts of a bank in this bank. Although he doesn't know the total bad debt rate of the bank, he estimates it to be between 5% and 10%.

Y also does credit. The credit and problematic loans he handled were all above 10%. Of course, these will not be reflected in the statement, because as long as the loan is still paying interest, it is not a bad debt. For example, a loan in the boss's hand ran away, but the industry is still there. Creditors include banks and the private sector. The solution is that the bank promises not to demand payment, and the company pays the bank interest first, but promises not to demand payment. Can the future principal be repaid?

Such loans are normal loans in the bank's statements. Y said that bank loan officers are under great pressure now, and branches should try their best to carry them first, because if the loans they are concerned about are exposed, they may

If all the loans in question are like this, the bad debt rate will rise, but the specific amount may still depend on the degree of recovery of the real economy.

However, even if 5% of bad debts can bear 10% in a few years depending on the bank's own provisions and profits, the impact is still somewhat great.