(1) In 2006, the enterprise suffered losses and could not repay the principal and interest in full; (2) If the enterprise does not provide guarantee, the credit rating will drop and the loan risk will increase;
(3) The bank failed to effectively collect money; (4) Banks failed to effectively avoid loan risks.
2. In August 2006, what kind of risk classification can this loan be classified into? Please briefly explain the reasons.
Subprime loan. There are obvious problems in the repayment ability of the company, and it is impossible to repay the principal and interest in full by relying entirely on its normal operating income.
3 in September 2007, which level should be set, and explain the reasons.
Suspicious loan companies can't repay the loan principal and interest in full, even if the guarantee is implemented, it will cause great losses.