There are overdue and bad debts in the credit report for more than 180 days (bad debts refer to those that have not been paid for more than one and a half years, and the bank will treat them as bad debts, which does not mean that you don't have to pay them back).

The small amount of major online loans has been in loans overdue for a long time.

Those who meet the above two points are called "double blacks" in loans.

I. Definition of loan:

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation. Loan refers to the financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).

Two. Loan type:

1. Normal loan

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.

2. Pay attention to loans

Although the borrower has the ability to repay the loan principal and interest at present, 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%.

3. Folding 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%.

4. Fold suspicious loans

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%.

5. Folding loss loans

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%.