1. What do you mean by non-performing loans? What are the consequences of non-performing loans?

With the increasing number of loan platforms, many friends who need funds choose to apply for loans on multiple online loan platforms or banks. However, many people apply for loans in these financial institutions for a long time, and they are unable to repay their loans, resulting in overdue or even more serious "bad loans". These loans are called "non-performing loans".

what is a non-performing loan?

In fact, non-performing loans are generally a term put forward for bank loans. Non-performing loans refer to loans that the borrower cannot repay the loan principal and interest on time according to the original loan agreement, or there are signs that the borrower cannot repay the bank's loan principal and interest on time according to the original loan agreement.

For non-performing loans, the classification method of banks is "one loan exceeds two loans", in which "one loan exceeds two loans" refers to overdue loans, also known as "overdue loans" or "overdue loans", and refers to loans that cannot be repaid when the loan contract expires; "Two deadbeats" refer to sluggish loans and bad loans. Sluggish loans refer to loans that have not been returned after a certain period of time, while bad loans refer to loans that cannot be recovered.

the difference between "two deadbeats"

The difference between sluggish loans and bad loans is mainly the difference in financial concepts. The former is reflected in the accounts as assets, while the latter is fully accrued for bad debts, so it is reflected in accounting that assets are already zero. But legally, they will all be due and unfulfilled creditor's rights, and there is no substantive difference.

Difference between sluggish loans and overdue loans

1. Applicable objects

Sluggish loans are mainly aimed at enterprise users, while overdue loans are not limited to applicable groups, which can be enterprise users or individual users. In this way, the scope of application of overdue loans is wider.

2. Recovery time of loans

Generally, sluggish loans are loans that cannot be recovered within five years, which are confirmed by banks. The overdue loan refers to the loan that has not been repaid on time before the repayment date, and the specific recovery time is uncertain, and the loan may not be recovered in the end.

3. The determination time is different

If the loan is to be determined as a sluggish loan, it will take some time and will be evaluated by the bank staff. The determination of overdue loans is simpler than sluggish loans, and overdue loans are considered if they are not repaid before the agreed repayment date.

4. Different in nature

Sluggish loans are more serious than overdue loans. Sluggish loans refer to loans that cannot be recovered within five years. If the amount involved is large, there may even be suspicion of fraudulent loans. On the contrary, the consequences of overdue loans are not so serious.

Bad loans are more troublesome than overdue

Bad loans are also called bad loans. In personal credit reports, bad loans are a more serious situation than overdue. If the word bad loans appears in your credit report, you will basically bid farewell to banking business, including credit cards and loans, and basically cannot apply.

if there is a record of bad debts, it will basically be blacklisted, and all financial institutions that need credit information will no longer open loan financial affairs to you, and bad debts cannot be eliminated automatically. If they are not dealt with, they will stay with you for a lifetime. It should be noted that bad debts do not charge interest, and only the principal can be repaid when repayment is made.

usually, if the borrower delays to repay the principal and interest for as long as three months, the loan will be regarded as a non-performing loan. Therefore, I suggest that you try not to overdue the repayment, which will not only bear multiple interest, but also leave a stain on your credit history.

comprehensive compilation, self-payment, observation, and bookkeeping.

second, what do you mean by non-performing loans?

I'm speechless. If you don't understand, don't give me a random answer. Such nonsense can still be a recommended answer. I'm drunk, too Abs stands for asset-backedsecuritization, which means asset-backed securitization. Bad abs refers to the securitization of bad assets of banks, which is currently being piloted.

III. What are the non-performing loans and non-performing loan ratio of banks

Non-performing loans refer to loans that have defaulted. Generally speaking, if the borrower delays the repayment of principal and interest for three months, and the loan is irrecoverable, it should be written off from the profits. When overdue loans cannot be recovered but have not been determined, bad debt loss reserve shall be listed on the books. Non-performing loan ratio

Non-performing loan ratio refers to the proportion of non-performing loans of financial institutions in 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 indicates 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.

Non-performing loans are loans that banks cannot recover on schedule within a certain period of time. Loans that may cause bad loans or loan losses.

An increase in non-performing loans will lead to a reduction in the bank's interest rate under the loan recovery rate, so the Agricultural Bank of Hebei recently put forward the business policy of "treating the bank first".

loans are classified in four levels, including normal loans, overdue loans, sluggish loans and bad loans. Among them, sluggish loans and bad loans are non-performing loans.

loans are classified into five categories: normal loans and loans concerned about losses. Among them, subprime loans, doubtful loans and loss loans belong to non-performing loans.