As for the overdue rate of credit cards, it is understood that from June to June of 2065438+2008+65438, the total outstanding credit of credit cards overdue for half a year reached 75.667 billion yuan, up 6.35% from the previous month. According to the statistics of investigators, the overdue amount of credit cards has doubled compared with 35.764 billion yuan in 20 14, which is nearly 10 times higher than that in 20 10. Judging from the number of credit cards held, as of the second quarter of 20 18, the number of credit cards held per capita in China has reached the highest level in history-0.46 per capita, which is basically equal to one credit card for every two people. The population of China is about 654.38+04 billion, which means that banks have issued 700 million credit cards.
As the number of credit cards increases, the total amount of overdue credit increases. It is believed that overdue credit cards will affect personal credit records, and may affect mortgage, car loan and other businesses in the later period. Today, I will talk to my friends about the hidden crisis after the overdue of 20 18 credit card is nearly 80 billion!
Nowadays, young people can't save money, and the total amount of overdue credit cards has doubled in four years. Always remind friends that we must cherish personal credit records and don't underestimate overdue credit cards. If the bad reputation is recorded, the bank will refuse to lend. Tell a friend that the bank has different regulations on refusing loans now. Some banks think that loans will not be issued if they are overdue for six or three times in a row.
What is the overdue rate and how to calculate it?
The overdue rate is the overdue loan rate, which refers to the proportion of overdue loan balance to the current loan balance. The overdue loan ratio is used to reflect the repayment of loans on schedule, and to reflect the efficiency of loan and asset risk procedures from the perspective of whether they are repaid on schedule. Calculation formula of overdue loan ratio:
1, ending overdue loan ratio = ending overdue loan balance/ending total loan balance.
2. Average overdue loan ratio = average balance of overdue loans in full term (actual overdue amount)/average balance of loans in full term.
Usually, the main reasons of loans overdue are: delay in construction period, shutdown, unavailability after completion, low economic benefit after commissioning, inability to repay, great loss and refusal to return. Under normal circumstances, the proportion of overdue loans shall not exceed 8%. The lower the ratio, the better the recovery of loan principal, the better the efficiency of capital use and the lower the asset risk, and vice versa.
Extended data
The biggest feature of overdue loan data is absolute objectivity. Once the lender fails to repay the principal and interest on time, the loan becomes overdue. Loans overdue is an objective fact. As long as it happens, it will appear on the bank's financial statements and be counted as overdue loans, which will eliminate the subjectivity of overdue loans to the greatest extent.
This feature of overdue loans provides the most objective indicator for us to observe the changing trend of non-performing loans in banks. Overdue loans are a harbinger of non-performing loans, and the changing characteristics and trends of overdue loans are the observation window for predicting non-performing loans. Some banks with more non-performing loans than at the beginning of the year have also increased their overdue loans in the same period, and will face greater asset quality pressure in the future.
If an enterprise fails to repay a loan due, it will have a bad influence on the credit of the enterprise, and then affect the refinancing of the enterprise in the whole bank credit system.