Note: At present, the borrower has the ability to repay the loan principal and interest, but there are some factors that may adversely affect the repayment. If these factors persist, the borrower's repayment ability will be affected.

Secondary: The borrower's repayment ability has obvious problems, and it is overdue at first, so it can't repay the loan principal and interest in full by relying entirely on its normal operating income. It is necessary to deal with part of the borrower's assets and even implement mortgage guarantee to repay the loan, and the loan loss rate has reached 30 -50%.

Suspicious: the borrower can't repay the loan principal and interest in full, even if mortgage or guarantee is implemented, it will definitely cause great losses, and the probability of loan loss is as high as 50-75%.

Loss: The borrower has been unable to repay the principal and interest. No matter what measures and procedures are taken, loans will inevitably lose or recover a very small part of the funds. From the perspective of financial institutions, there is no need to keep it in the account of assets, and the loss rate of their loans accounts for 75- 100%.

Bad debts: loans that cannot be recovered after collection and are in a sluggish state for a long time may become bad debts. If this state appears in the credit report, it is extremely difficult to apply for a credit card.