1, the repayment record is different. Normal loan means that the borrower has a good repayment record and a strong willingness to repay, and there is no or very little overdue repayment and default;
2. The overdue status is different. Attention loan refers to the occasional failure or overdue of the borrower to repay on time, and the borrower's awareness of timely repayment is weak, but it is not caused by subjective reasons. Pay attention to the repayment record and inform in time.
3. Whether the repayment is different.
Non-performing loans refer to borrowers' long-term default or multi-period non-repayment, occasional repayment or non-repayment after repeated collection or door-to-door collection, and the default date is between 3 months and 6 months.
Extended data:
Reasonably determine the risk classification of loan renewal, and classify it as normal if it meets the standard of normal category. This means that small and micro enterprises that meet the normal category of loans will no longer be required to downgrade the classification level.
At the same time, banks should also strengthen the internal control of loan extension business, mark the loan extension separately in the credit system, establish a monitoring and analysis mechanism for loan extension business, improve the frequency of inspection and evaluation of loan extension risk classification, and prevent the loan extension from artificially manipulating the loan risk classification and covering up the real risk status of loans.
In addition to allowing qualified small and micro enterprises to renew their loans, the Notice also proposes to reasonably determine the term of working capital loans for small and micro enterprises to avoid increasing the financial pressure on small and micro enterprises because the loan term does not match the production and operation cycle of small and micro enterprises. Encourage banks to use revolving loans, annual loans and other business types to facilitate borrowers, and adopt more flexible repayment methods such as installment repayment of loan principal to reduce the repayment pressure of small and micro enterprises.
In order to avoid the moral hazard of small and micro enterprises' compliance with the renewal of loans, the relevant person in charge of the CBRC said that in terms of supervision, banks are also required to do a good job in the full circulation management of renewal funds and obtain information through multiple channels to prevent small and micro enterprises from using the renewal of loans to conceal their real business and financial situation, or to use short-term loans for a long time and change the purpose of loans.
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