Black households refer to multiple overdue. Individuals who have loan business with banks, such as handling loans or using bank credit cards, will become black accounts of banks if they pay back overdue for many times.

It's long overdue. Under normal circumstances, it is more difficult to apply for a loan for the second time if it is overdue for more than 90 days at a time.

Extended data:

Phenomenon increases:

During the slowdown of economic growth, some small and medium-sized enterprises encountered some difficulties, especially in Zhejiang, where private lending was prevalent before, which became an important reason for the decline in the quality of bank assets in this round. Take Ping An Bank as an example. From the perspective of industry, 78% of its new non-performing loans come from manufacturing.

By region, 88% of the new non-performing loans in the first half of the year came from the eastern region, indicating that the operating difficulties of small and medium-sized enterprises in Jiangsu, Zhejiang and Shanghai have a great impact on the asset quality of Ping An Bank.

Shanghai Pudong Development Bank is no exception. The bank said in the semi-annual report: "Affected by the regional economy, the company's new non-performing loans in the first half of 20 12 were mainly concentrated in Wenzhou and Hangzhou, and the loan quality in other regions remained basically stable. In view of the increased credit risk in Wenzhou and Hangzhou in the first half of 20 12, the company has taken it into account when withdrawing the loan reserve. "

However, some analysts believe that there is an obvious phenomenon in the change of asset quality of listed banks: some banks with more non-performing loans than at the beginning of the year have also increased their overdue loans, increased their non-performing rate, decreased their provision coverage ratio faster, and faced greater asset quality pressure in the future.

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