Interest-related loans refer to the fact that 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. The standards for concern loans specifically include:

① The borrower's fixed assets loan project has major factors that are not conducive to loan repayment (such as prolonged construction period of infrastructure projects and excessive budget increase);

(2) The borrower's sales revenue and operating profit decline or show signs of insufficient liquidity, and some key financial indicators show abnormal adverse changes or are lower than the average level of the same industry;

(3) Contingent liabilities of the borrower (such as external guarantee, issuance of commercial paper, etc.). ) is too large or greatly increased compared with the previous period;

(4) There are major problems in the operation and management of the borrower or the loan is not used according to the agreed purpose;

Reorganization of the borrower or guarantor (such as division, merger, leasing, contracting, joint venture, shareholding system reform, etc.). ) may adversely affect the loan.