Bank non-performing loans refer to loans that cannot be recovered within a certain period of time! It has a great impact on the bank's cash flow, and losses and credit will be damaged.

2. Do the five categories of commercial bank loans include non-performing loans?

(empty) In the five-level classification of commercial bank loans, non-performing loans include ().

A. Focus on loans and subprime loans

B. Subprime loans, doubtful loans and loss loans

C. Pay attention to loans, subprime loans and doubtful loans

D. Pay attention to loans, doubtful loans and loss loans

Check the answer analysis [answer] b

[Resolution] This topic examines the asset business of commercial banks. According to the quality, loans can be divided into normal loans, concern loans, subprime loans, doubtful loans and loss loans. Non-performing loans refer to the latter three categories.

Three or five types of commercial bank loans, non-performing loans include

B

Analysis:

According to the quality, loans can be divided into five categories: normal loans, concern loans, sub-loans, loans that can be made and loss loans, of which the latter three categories are non-performing loans.

Four, the five-level classification standard of banks?

The five-level classification of banks is a five-level classification of loan quality by commercial banks according to the actual repayment ability of borrowers. Banks classify loans into normal, concerned, secondary, suspicious and loss according to the degree of risk, and the latter three are non-performing loans. On the basis of fully analyzing the possibility that the borrower can repay the loan principal and interest on time and in full, the bank initially classifies the loan grade with reference to the basic standards, and then determines the classification result in strict accordance with the core definition.

Five-level classification:

I. Normal loans

The borrower can perform the contract and always repay the principal and interest normally. There are no negative factors that affect the timely and full repayment of loan principal and interest. The bank is fully confident that the borrower can repay the loan principal and interest in full and on time. The probability of loan loss is 0.

Second, attach importance to loans.

Although the borrower has the ability to repay the loan principal and interest, there are some factors that may adversely affect the repayment. If these factors persist, the borrower's repayment ability will be affected and the probability of loan loss will not exceed 5%.

Third, subprime loans.

There are obvious problems in the borrower's repayment ability, and it is impossible to repay the loan principal and interest in full by relying entirely on its normal operating income. Interest needs to be repaid by disposing of assets, financing from outside and even implementing mortgage guarantee. The probability of loan loss is 30%-50%.

Four. Suspicious loan

The borrower can't repay the loan principal and interest in full, even if the mortgage or guarantee is implemented, it will certainly cause some losses, just because of the factors such as borrower's reorganization, merger, mortgage disposal and pending litigation, the amount of losses is still uncertain, and the probability of loan losses is between 50% and 75%.

Verb (abbreviation for verb) loss loan

Refers to the possibility that the borrower has repaid the principal and interest for free. No matter what measures and procedures are taken, the loan is bound to be lost, or even if a small part can be recovered, its value is minimal. From the bank's point of view, it is meaningless and necessary to keep it as a bank asset in the accounts. Such loans should be cancelled immediately after the necessary legal procedures are performed, and the loan loss probability is 75%- 100%.