Question 1: What is the mobility of the five-level classification? Hello, loan mobility (also called loan mobility) is the degree to which loans change under various classification forms in a certain period of time.

I hope my answer can help you.

Question 2: How to calculate the mobility? Risk migration index measures the degree of risk change of commercial banks, that is, the change ratio of asset quality from the previous period to the current period is a dynamic index.

Risk migration indicators include normal loan mobility, concerned loan mobility, subprime loan mobility and doubtful loan mobility:

(1) The mobility of normal loans is the ratio of non-performing loans to normal loans, which is not higher than 0.5%;

(2) The mobility of interest-related loans is the ratio of non-performing loans to interest-related loans, which is not higher than 65,438+0.5%;

(3) The mobility of subprime loans is the proportion of doubtful loans and loss loans in subprime loans, which shall not be higher than 3%;

(4) The ratio of the transfer rate of doubtful loans to the amount of doubtful loans converted into loss loans to doubtful loans shall not be higher than 40%.

Question 3: Loan Mobility The loan classification results directly reflect the quality of credit assets of commercial banks. The correctness of the loan classification process and results has not only become an important means of internal credit management of commercial banks, but also an important basis for evaluating the credit management level of commercial banks and objectively reflecting the bank's operating results. Therefore, both the banking supervision department, commercial banks themselves and investors are highly concerned about the loan classification process and results of commercial banks.

Question 4: The calculation of loan mobility illustrates the problem with examples. Taking the relatively simple calculation formula of "normal loan migration rate" as an example, the analysis is as follows: it reflects the total amount of normal loans migrating downward at the beginning of the period, which is a variable and an object to be investigated. Denominator: opening balance of normal loans-decrease in opening period of normal loans, with "opening balance of normal loans" as the fixed value and "decrease in opening period of normal loans" as the variable. The caliber is: refers to loans decreased during the reporting period due to normal loan recovery, disposal of non-performing loans or loan write-off. Therefore, the calculation results of the above formula are mainly restricted by variables such as the downward migration amount of normal loans at the beginning, the normal recovery of loans, the disposal of non-performing loans or the reduction of loans due to loan write-off. Among all the above variables, it is obviously unreasonable to include the normal loan recovery of commercial banks as a variable because of the large amount of normal loan recovery at the beginning of the period and the large deviation of the calculation results. Example: A commercial bank has a normal loan of 50 million yuan at the beginning of the period. At the end of the period, the change of 50 million yuan resulted in the recovery of 5 million yuan and the normal loan of 42.5 million yuan, which was converted into concern, subprime loan, suspicious loan, loss and write-off of 500,000 yuan. According to the above formula, the mobility is: (50+50+50)/(5000-500-. Other things being equal, the mobility is (50+50+50+50)/(5000-3000-50) *100% =10.26%.

Question 5: I understand the immigration rate and emigration rate, but what is net mobility? Net turnover rate = migration rate-migration rate; Natural growth rate = birth rate-mortality rate; That is, subtract the decrease from the increase.

Question 6: What is mobility? Mobility refers to the average drift speed of carriers generated under unit electric field strength. Its unit is centimeter/(volt? Seconds).

Question 7: What is the physical meaning of mobility? What determines its mobility is the average drift speed of carriers generated under unit electric field strength? Mobility represents the conductivity of carriers, and its concentration with carriers (electrons or holes) determines the conductivity of semiconductors. Mobility is inversely proportional to the effective mass and scattering probability of carriers. The effective mass of carriers is related to materials, and electrons in different semiconductors have different effective masses. For example, the effective mass of electrons in silicon is 0.5m0(m0 is the mass of free electrons), and that in gallium arsenide is 0.07m0 The holes are divided into heavy holes and light holes, which are different from the effective mass of electrons. At low temperature, carriers in semiconductors are mainly scattered by defects and impurities, and at high temperature, they are mainly scattered by phonons generated by atomic lattice vibration. The stronger the scattering, the lower the mobility.

Question 8: Questioning the loan mobility Some people think that relevant mobility indicators should be revised. The reasonable calculation formula is: normal loan migration rate = (the downward migration amount of normal loans at the beginning of the year+the decrease amount of normal loans due to abnormal recovery at the beginning of the year)/the balance of normal loans at the beginning of the year × 100%. Abnormal recovery refers to the implementation of paying debts in kind. Similarly, Decrease in loan amount caused by disposal methods such as write-off: normal loan migration rate = (amount of normal loans converted into non-performing loans at the beginning of the year+amount of non-performing loans converted into non-performing loans at the beginning of the year+amount of abnormal recovery of normal loans at the beginning of the year+amount of loans of concern at the beginning of the year)/(balance of normal loans at the beginning of the year+balance of loans of concern at the beginning of the year) loans of concern × 1 00% mobility = (downward migration of interest-related loans+abnormal recovery reduction of interest-related loans at the beginning)/initial balance of interest-related loans × 100% subprime loan mobility = (downward migration of subprime loans+abnormal recovery reduction of subprime loans at the beginning) initial balance of subprime loans × 100% suspicious loan mobility = (downward migration of suspicious loans at the beginning)