Reflecting the downward migration of normal loans at the beginning of the period is a variable and an object to be investigated.
Denominator: opening balance of normal loans-decrease in opening period of normal loans, with "opening balance of normal loans" as the fixed value and "decrease in opening period of normal loans" as the variable. The caliber is: refers to loans decreased during the reporting period due to normal loan recovery, disposal of non-performing loans or loan write-off.
Therefore, the calculation results of the above formula are mainly restricted by variables such as the downward migration amount of normal loans at the beginning, the normal recovery of loans, the disposal of non-performing loans or the reduction of loans due to loan write-off.
Among all the above variables, it is obviously unreasonable to include the normal loan recovery of commercial banks as a variable because of the large amount of normal loan recovery at the beginning of the period and the large deviation of the calculation results.
Example: A commercial bank started with a normal loan of 50 million yuan. As a result of the change of 50 million yuan at the end of the period, 5 million yuan was recovered and 42.5 million yuan was normal loans, which were converted into 500,000 yuan of concern, subprime loans, suspicious loans, losses and write-offs. According to the above formula, the mobility is:
(50+50+50+50)/(5000-500-50)* 100%=4.5%
If the recovery amount in the above example is 30 million yuan, the calculation result of mobility is:
(50+50+50+50)/(5000-3000-50)* 100%= 10.26%