Credit concern refers to the problem of the lender's repayment ability, and the credit report is rated as concern by the Credit Information Center of the People's Bank of China. Credit report, also known as credit report, is a personal credit information record released by the Credit Information Center of the People's Bank of China, which is divided into personal credit report and enterprise credit report according to different scoring subjects. The status of credit records can be divided into five levels: normal, concerned, secondary, suspicious and loss.

Note the reference characteristics of the class:

1. Changes in macro-economy, industry, market, technology, products, internal management of enterprises or financial conditions have adversely affected the normal operation of borrowers, but there is no obvious problem in their ability to repay loans. 2, the borrower restructuring (such as merger, division, contracting, leasing, etc.). ) may have an adverse impact on bank debt.

3. The borrower has a poor willingness to repay and does not actively cooperate with the bank. 4. The borrower cannot fully repay the loan principal and interest by relying on its normal operating income, but the loan guarantee is legal, effective and sufficient, and the bank is fully capable of fully recovering the loan principal and interest through the recovery guarantee.

Credit reporting expresses concern, which can generally be understood as banks paying attention to personal funds. The bank judges that the borrower has the ability to repay the principal and interest at present, but there are some factors that may adversely affect the repayment. The bank judged that the loss rate of the loan was 5%.