Q: What is a stock loan? What are its characteristics? A: Stock loan refers to the existing loan amount. The main characteristics of its performance are that there are many traditional industries and few emerging industries; General loans account for a large proportion, while innovative loans account for a small proportion; There are many customers with low credit rating and few customers with high credit rating; In fact, it is used to lay the foundation, and it is used to turn around the flow. Its structural characteristics make the existing stock loans in a high-risk state, especially the loans issued before 1998 under the conditions of imperfect credit management and imperfect external market environment. In recent years, risks have been continuously exposed and further deteriorated, which are manifested in: the proportion of non-performing loans is still high, the pressure of new non-performing loans is greater, the risk of existing loans is escalating, the difficulty of interest collection is increasing, the difficulty of transformation and upgrading is increasing, and the difficulty of voluntary withdrawal is increasing. 30% off the mortgage for the stock house needs careful calculation. Comic stock loan structure mainly has the following characteristics: 1, with many traditional industries and few emerging industries. A considerable number of loans are deposited in traditional industries, sunset industries and long-term product enterprises with serious market demand, while high-tech industries, basic industries and government monopoly industries are rare. By the end of 20001,loans from supply and marketing cooperatives, loans from township enterprises, real estate loans and trade loans totaled 4.52 billion yuan, accounting for 29.22% of the conventional loans. 2. General loans account for a large proportion, while innovative loans account for a small proportion. At the end of 20001,the balance of low-risk loans such as discount, small pledge, personal housing and consumer loans was 632 million yuan, accounting for 3.84% of conventional loans. 3. There are more customers with low credit rating and fewer customers with high credit rating. By the end of 20001,the number of AAA customers 169, accounting for 4.48%, and the loan balance was 7.6 billion yuan, accounting for 52.72%; The number of AA customers is 53,523, accounting for 3.60%, and the loan balance is 535 million yuan, accounting for 3.71%; There were 3,468 customers with Grade A or below, accounting for 9 1.92%, and the loan balance was 6.28 billion yuan, accounting for 43.57%. 4. In fact, it is used to lay the foundation, and it is less used for turnover. A large number of working capital loans have become the basic funds of enterprises, and some working capital loans have been extended for eight years and borrowed many times.