1. When we borrow money from the bank, we should always pay attention to the information sent by the bank, and return the money in time. After the time specified by the bank, the bank has the right to ask us to pay the overdue penalty, but before the overdue period, the bank will send a message or call us to inform us that it is about to be overdue, so we should pay attention at this time.
2. When our loan in the bank is about to be overdue, do we have any extra money to return at this time? First of all, we can borrow money from our relatives and friends to return it; We can also negotiate with the bank and explain the situation to it. Generally, the bank will grant us a few days' repayment time. Or we can choose to pay by installment, but we need to know that installment will generate installment interest, but it is always much less than the penalty interest we incur when we are overdue, and once we fail to return our credit report within the time limit, it will have a corresponding impact.
3. After paying off the debt, first understand that loans overdue is within the repayment grace period, and those overdue within the repayment grace period will be repaid according to the grace period. If the repayment grace period is exceeded or there is no repayment grace period, the borrower should contact the loan bank, explain the reasons for the overdue and request grace period.
1. The overdue loan ratio refers to the proportion of overdue loans to total loans. The overdue loan ratio is used to reflect the loan repayment on schedule, which reflects the loan efficiency and asset risk procedure from the perspective of whether the loan is repaid on schedule. The purpose of monitoring the overdue loan ratio is to facilitate banks to properly handle overdue loans as soon as possible.
2, the date of interest calculation loan, and the date of compound interest calculation, there is no doubt that the contract or stipulated interest payment is in arrears, but it is not clear at present when interest and compound interest are calculated. If the enterprise fails to repay the loan within the time limit, it will have a negative impact on the credit of the enterprise and affect the refinancing of the enterprise in the whole bank credit system.
3. In the process of economic slowdown, some small and medium-sized enterprises have encountered some difficulties in their operations, especially in Zhejiang, where private lending was prevalent before, which has become an important reason for the decline in the asset quality of banks in this round.