Green non-performing loan ratio 19 systemically important banks Group 1: (8) Ping An Bank-published figures: the balance of personal housing loans is 2829190,000 yuan, accounting for 8.80% of the bank's credit assets, of which the balance of first-hand mortgage loans is1522.97 million yuan; The balance of mortgaged loans overdue is 365.438 billion yuan +0.08 billion yuan, accounting for all.
Group II: (4) Shanghai Pudong Development Bank-released figures: the balance of housing mortgage loan is 886.964 billion yuan, and the balance of overdue mortgage loan of Baojiao Building is 56 million yuan. According to the data released by China CITIC Bank, the balance of individual housing loan is 95 19.50.
Group 3: (3) Bank of Communications-published data:
Two. What is the reduction rate of non-performing loans?
This thing can only be found by provincial associations, and maybe the following municipal associations can also be found.
Three. Measures for the classified management of loan risks?
By evaluating the borrower's financial situation, guarantee and performance, banks classify credit assets according to risk procedures, which are generally divided into five categories: normal, concern, secondary, suspicious and loss, and the latter three are collectively called non-performing loans. Abbreviation-Five-level classification of loans.
General standards and management methods of five-level classification;
1, normal category: the borrower has been able to repay the principal and interest in full and on time.
For normal loans, we must strengthen the return visit and risk early warning.
2. Concern category: At present, the borrower can repay the principal and interest on schedule, but there are some unfavorable factors that may affect the repayment ability.
For loans of concern, pay close attention to the changes of unfavorable factors and analyze the impact on the safety of credit assets.
3. Sub-category: The borrower has problems in repayment ability, and cannot rely on operating income to repay the loan, and needs external financing or disposal of assets to repay the loan.
For subprime loans, we must strengthen collection and reduce loans as much as possible.
4. Suspicious category: the borrower and guarantor are unable to repay the principal and interest in full, resulting in heavy losses.
5. Loss category: after all legal procedures and measures are taken, the loan principal and interest are still unrecoverable or rarely recovered.
For suspicious and loss loans, legal means should be used for collection and corresponding asset preservation measures should be taken. For possible non-performing loans, banks must make provision for impairment according to a certain proportion.
Four, the bank's non-performing loan ratio and impairment loan ratio is the same thing?
Absolutely not the same thing.
Non-performing loans refer to loans made by banks to people with insufficient repayment ability. This money may not be recovered by banks in the future, but it will become bad debts, which is subprime loans. The subprime mortgage crisis in the United States was caused by too many non-performing loans from banks. Non-performing loan ratio is the ratio of non-performing loans to all loans.