Non-performing loans refer to loans that have been defaulted. Generally speaking, if the borrower fails to repay the principal and interest within three months, the loan will be regarded as a non-performing loan. When banks determine that non-performing loans cannot be recovered, they should write off these loans from profits. When overdue loans cannot be recovered but have not been determined, the provision for bad debt losses shall be listed on the books. Non-performing loan ratio Non-performing loan ratio refers to the ratio of non-performing loans of financial institutions to the total loan balance. The non-performing loan ratio of financial institutions is one of the important indicators to evaluate the security of credit assets of financial institutions. The high rate of non-performing loans shows that financial institutions are at great risk of recovering loans; The low rate of non-performing loans shows that the risk of financial institutions recovering loans is small.

Two. What is the ratio of loans overdue for more than 90 days to non-performing loans proposed by CBRC?

The ratio of loans overdue by more than 90% to non-performing loans in normal commercial banks cannot exceed 124%, that is, loans overdue for more than 90 days must enter non-performing loans. If there is no non-performing loan, it must explain why there is no non-performing loan. I hope it helps you.

3. What is the ratio of loans overdue for more than 90 days to non-performing loans proposed by CBRC?

Ratio of loans overdue for more than 90 days to non-performing loans = balance of loans overdue for more than 90 days/non-performing loans × 100% This indicator is a commonly used regulatory indicator to measure the relationship between loans overdue for more than 90 days and non-performing loans. Although from the five-level classification logic, the overdue time of loans is not a hard standard to measure whether loans should be classified as non-performing loans. Usually, after loans overdue, banks must take asset preservation measures. If customers borrow principal and interest, the possibility of asset impairment will be higher and higher. In a secondary sense, this index is acceptable. If it is greater than 100%, it means that the loan risk classification may be biased, and the regulatory authorities should pay attention to this issue.

4. What is overdue for more than 90 days?

I work in the background of financial institutions and have the opportunity to see the personal credit report of customers. Each bank has different policies and loose degrees for overdue records. As far as I know, bank housing loan application, credit card application and consumer loan application have different tolerance restrictions on overdue.

It doesn't matter if it is overdue. The important thing is what is the overdue situation? Is the overdue amount and overdue time serious?

If you are overdue due to negligence, and the overdue period is no more than two periods (because the second period is m2, it will be reversed), the overdue amount is not large, which will not affect the loan approval in the future. To put it bluntly, my overdue is not intentional or malicious, and the problem is not big.

If it is due to malicious overdue and serious bad credit, it is directly blacklisted by the bank, then basically no bank loan can be issued.

In addition to the credit situation, personal qualifications are also the most concerned about bank credit business, such as income status, household registration, marital status and other comprehensive indicators.

So generally speaking, a little overdue is not a big deal, especially two years ago, it is not very important.

O(∩_∩)o~ Hope to adopt!

Is this ok?