Current location - Loan Platform Complete Network - Loan consultation - On the problem of paying off old debts and borrowing new ones.
On the problem of paying off old debts and borrowing new ones.
First, on the issue of repaying old loans and new loans.

Answer B Answer Analysis According to the requirements of the Guidelines for the Classification of Loan Risks issued by the CBRC, the same loan shall not be classified: loans that need to be repaid by borrowing new loans or other financing methods shall at least be classified as concerns; Loans that need to be restructured should be at least divided into subcategories.

2. What do new, old, borrowed and blue mean in traditional western weddings?

1. Being old means that the bride can wear or carry old things, which represents her continuous relationship with her family and past life.

2. Being innovative means that the bride can wear or carry new things, which represent the success and hope of the bride's new life and marriage.

Borrowing means that the bride should have something borrowed from a happily married friend. It is said that their happiness will benefit the bride.

Blue means that the bride can wear or carry blue things, which can be traced back to biblical times, when the blue wedding dress represented purity, loyalty and love. As time goes by, this situation has changed, from wearing blue clothes to wearing the bottom of the blue belt, the bride's wedding dress.

Three. Management measures for borrowing new and returning old

Interim Measures for Operation and Management Chapter I General Provisions Article 1 These Measures are formulated in accordance with the General Principles for Loans and relevant laws and regulations in order to standardize the management of loan business and deal with, reduce and dissolve credit risks in a timely manner. Article 2 The term "loan-for-new repayment business" as mentioned in these Measures refers to the processing method of adjusting the repayment conditions such as the borrower, guarantee method, repayment period, loan interest rate and repayment method agreed in the contract in order to reduce and dissolve the loan risk. Article 3 Trade-in business shall follow the following principles: (1) Effective reorganization principle: Trade-in business shall effectively reduce the credit risk and loan loss, and the loan risk of trade-in business must be lower than the original loan risk; (II) Standard operation principle: the loan-for-old business must be operated and approved in strict accordance with the prescribed conditions and procedures. Chapter II Applicable Objects, Conditions and Methods Article 4 The applicable objects of loan repayment business include corporate customers, individuals and individual industrial and commercial households. Article 5 Under the following specific circumstances, the loan can be repaid by borrowing the new and returning the old: (1) Part of the loan principal or interest can be recovered by borrowing the new and returning the old, and the effectiveness of the loan guarantee is not lower than the original guarantee; (2) Borrowing the new and returning the old is beneficial to the loan security and the borrower's repayment plan. Borrowing the new and returning the old can improve the legal defects in the original loan contract or guarantee contract, or convert credit loans into secured loans, or further enhance the reliability of guarantees; (3) After the loan is repaid, the security right and mortgage right will not be lost or weakened, but the loan guarantee or priority right will be lost by other means; (4) After the borrower changes, the loan risk is obviously reduced; (five) other circumstances that can reduce the risk of loans by borrowing new ones and returning old ones. Article 6 In the above circumstances, if it is necessary to apply for a loan to borrow the new and repay the old, the following conditions must be met at the same time: (1) Investing in industries that meet the requirements of the national industrial policy and are mainly supported; (2) The borrower's production and operation are normal, and there are no substantial and irreversible changes that are not conducive to loan repayment; (3) The borrower operates steadily, and the operating cash flow is sufficient as the repayment source; (4) There is no malicious default of interest or misappropriation of loans within the original loan term; (5) Strengthen the guarantee measures, and the effectiveness of the loan guarantee is not lower than the original guarantee.

Four, the following about borrowing new and old, borrowing new and old, the correct statement is ().

D