Non-performing loans, non-performing loans also refer to abnormal loans or problem loans, which refer to loans where the borrower fails to repay the principal and interest of commercial banks on time as agreed in the original loan agreement, or there are signs that the borrower cannot repay the principal and interest of commercial banks on time as agreed in the original loan agreement.

1, overdue loan

Refers to overdue (including overdue) loans that cannot be repaid (excluding sluggish loans and bad loans).

2. Sluggish loans

Refers to loans that are overdue (including due after extension) for more than 2 years (including 2 years) and cannot be repaid. Although the loan is not due or overdue for less than 2 years, in the first quarterly report issued by ICBC, the generation rate of non-performing loans has dropped to 3.6%, and the project has stopped (excluding non-performing loans).

3. Bad debts

Refers to the loan that the borrower and guarantor fail to pay off after being declared bankrupt according to law; According to "General Principles of Civil Law of People's Republic of China (PRC)" and "General Principles of Civil Law", loans that cannot be paid off after the borrower dies or is declared missing or dead; Due to major natural disasters or accidents, the borrower is really unable to repay part or all of the loans with huge losses, or the loans that cannot be repaid after insurance settlement; The lender's proceeds from disposing the loan collateral and pledge according to law are not enough to offset the mortgaged or pledged loan; Loan projects approved for write-off by the State Council.