Spread out completely

The five-level classification includes: normal, concerned, minor, possible and loss.

Bad categories are: secondary, OK, and wear and tear.

In addition, some enterprises divide it into ten grades, but the bad ones are the last three.

Plus points!

2. What do you mean by JD? Is the account of COM risky?

If JD.COM's IOU reminds that the account is risky, it is likely that the customer has bad behavior in the use process, so the security problem of the account has risen. It is precisely because of this that the system will implement risk control on the account, and then it may restrict the use.

The increase in account risk is probably due to the customer's illegal cashing operation, or the system is suspected of cashing out because of frequent consumption of large amounts of white bars and always spending white bars in the same merchant. You know, it is illegal to withdraw cash.

Of course, if customers always log in with different devices and frequently modify account information, such as changing bank cards, changing certified mobile phone numbers and changing JD.COM delivery addresses, it is estimated that the system risk control will also be triggered. In addition, expired authentication identity information may also lead to this situation.

3. What are the loan risks? What are the bad assets?

The five-level classification includes: normal, concerned, minor, possible and bad losses; The second level and the professional category are divided into ten levels, but the bad ones still give extra points to the last three levels!

4. What are the categories of non-performing assets?

According to the main classification, there are mainly non-performing assets of banks, enterprises and individuals, among which the non-performing loans of banks are the largest and become the main body of non-performing assets.