According to the quality, loans can be divided into five categories: normal loans, concern loans, subprime loans, available loans and loss loans.

Analysis:

Loans, subprime loans, suspicious loans D concern loans, suspicious loans, loss loans

2. What are the three types of non-performing loans?

Non-performing loans include subprime loans, doubtful loans and loss loans. The losses of these three lending banks are gradually increasing. At this loss stage, the borrower has no repayment ability, and no matter what measures are taken, it will lead to loan losses.

These five types of loans are as follows:

1. Normal loan: The debtor can perform the contract, and there is no sufficient reason to suspect that the debtor cannot repay the debt in full and on time.

2. Pay attention to the loan: Although the debtor has the ability to repay the debt at present, there are some factors that may adversely affect the repayment.

3. Subprime loan: The debtor has obvious problems in repayment ability, and cannot fully repay the loan principal and interest by relying entirely on its normal operating income. Even if the guarantee is implemented, it may cause certain losses.

4. Suspicious loan: The borrower can't repay the loan principal and interest in full, even if the guarantee is implemented, it will definitely cause great losses.

5. Loss loan: After taking all possible measures or all necessary legal procedures, the principal and interest can not be recovered or only a small part can be recovered.

Extended data

Middle school class

(1) The borrower suffers from operating losses, so it is difficult to pay and obtain supplementary funds, and the cash flow from operating activities is negative;

(2) The borrower cannot repay the debts of other creditors;

(3) The borrower has to maintain production and operation by selling or selling off the main production and operation fixed assets, or raise repayment funds by auction of collateral and performance of guarantee responsibilities;

(4) The borrower obtains the loan by improper means such as concealing the facts;

(5) There are problems in the internal management of the borrower, which cause substantial damage to the normal operation and hinder the timely and full repayment of debts;

(6) The borrower is in a semi-closed state, and the guarantee is average or poor;

(seven) to clean up the loan principal and interest and preserve assets for the purpose of "borrowing new and returning old" loans;

(8) Restructured loans that can repay the principal and interest;

(9) Incomplete credit files and loss of important legal documents have a substantial impact on repayment;

(10) The borrower's loans in other financial institutions are classified as suspicious;

(1 1) Loans issued in violation of national laws and administrative regulations;

(12) Off-balance-sheet loans or advances with overdue principal or interest of 9 1 day to 180 days (inclusive) are 3 1 day to 90 days (inclusive).

Subclass reference features:

A, the borrower has difficulty in payment, and it is difficult to obtain new funds.

B neither the normal operating income of the borrower nor the guarantee provided can guarantee the bank to recover the loan principal and interest in full.

C. Due to the deterioration of the borrower's financial situation or inability to repay, it is necessary to make major adjustments to the repayment terms of the loan contract.

D, loans overdue (including after the extension) for more than 90 days to 180 days (including).

E. The loan is overdue for more than 90 days to 180 days (inclusive).

Data 2: Sub-prime loans. Other banks also listed the following characteristics:

The borrower's net cash flow is negative, and it is difficult to pay. The borrower cannot repay the debts of other financial institutions, and the borrower's internal management problems hinder the repayment of debts. It is estimated that the loan loss is below 30%, and the loan principal is overdue by 9 1 day to 180 days (inclusive).

Suspicious class

(1) The borrower is in a suspended or semi-suspended state, and the fixed asset loan project is in a suspended or postponed state;

(2) The borrower is actually insolvent;

(3) The borrower enters the liquidation procedure;

(4) The borrower or its legal representative is involved in a major case, which has a significant impact on the normal business activities of the borrower;

(five) after the borrower's restructuring, the debts of rural cooperative financial institutions are difficult to implement or have been implemented, but they cannot repay the principal and interest normally;

(6) After many negotiations, the borrower obviously has no willingness to repay;

(7) have recourse to legal recourse for loans;

(8) The principal and interest cannot be repaid normally after the loan is restructured;

(9) Loans of borrowers in other financial institutions are classified as losses;

(10) Loans or advances for off-balance sheet business with overdue principal or interest exceeding 18 1 day exceed 9 1 day.

Reference characteristics of suspicious categories:

A. Due to the deterioration of the borrower's financial situation or inability to repay, the loan is still overdue or the borrower is still unable to repay after the bank adjusts the repayment terms of the loan contract.

B the borrower has been closed or semi-closed for more than half a year, and the income source is unstable. Even if the guarantee is implemented, the loan will certainly cause great losses.

C, due to business deterioration, litigation and other reasons, the project is suspended or postponed.

D. The borrower's asset-liability ratio exceeds 100%, and it sustained losses in that year.

E. the bank has filed a lawsuit, but the execution procedure has not yet ended, and the loan cannot be paid off in full, resulting in great losses.

F, loans overdue (including after the extension) exceeds 180 days.

G. the loan interest is overdue for more than 180 days.

Data 3: Suspicious loans, examples of specialized banks are:

It is estimated that the loan loss rate is between 30% and 90%; The overdue loan principal (including after extension) is above 180.

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Three. What should non-performing loans include?

A. overdue loans B. concerned loans C. sluggish loans D. non-performing loans