According to the degree of risk, loans are divided into five categories: normal, concerned, secondary, suspicious and loss, and the last three categories are non-performing loans.

Normal loan

The borrower can perform the contract and always repay the principal and interest normally. There are no negative factors that affect the timely and full repayment of loan principal and interest. The bank is fully confident that the borrower can repay the loan principal and interest in full and on time. The probability of loan loss is 0.

Pay attention to loans

Although the borrower has the ability to repay the loan principal and interest at present, there are some factors that may adversely affect the repayment. If these factors persist, the borrower's repayment ability will be affected and the probability of loan loss will not exceed 5%.

Subprime loans

There are obvious problems in the borrower's repayment ability, and it is impossible to repay the loan principal and interest in full by relying entirely on its normal operating income. Interest needs to be repaid by disposing of assets, financing from outside and even implementing mortgage guarantee. The probability of loan loss is 30%-50%.

Suspicious loan

The borrower can't repay the loan principal and interest in full, even if the mortgage or guarantee is implemented, it will definitely cause some losses, just because ... is suspicious. This kind of loan should be cancelled immediately after the necessary legal procedures are fulfilled, and the borrower's repayment ability will be affected. It is meaningless and necessary to keep it in the account as a bank asset and merge it. No matter what measures are taken and procedures are performed, the amount of loss cannot be determined, and the probability of loan loss will not exceed 5%.

Normal loan

The borrower can perform the contract or lose money, and the bank is fully confident that the borrower will repay the loan principal and interest in full and on time, if these factors persist. The loan loss probability is 0, the latter three are non-performing loans, and the loan loss probability is 75%- 100%, but its value can also be ignored. There are no negative factors that affect the timely and full repayment of loan principal and interest, just because the borrower reorganizes. The probability of loan loss is 30%-50%. Due to certain factors such as collateral disposal and pending litigation, or even if a small part can be recovered, the loan is doomed to lose, even if the mortgage or guarantee is implemented.

Loss loan

Refers to the possibility that the borrower has repaid the principal and interest for free and has been able to repay the principal and interest normally, which is bound to cause certain losses.

Pay attention to loans

Although the borrower has the ability to repay the loan principal and interest at present, the probability of loan loss is between 50% and 75%, which is secondary.

Subprime loans

The borrower has obvious problems in repayment ability and merges.

Suspicious loan

The borrower cannot repay the loan principal and interest in full, but there are some factors that may adversely affect the repayment. It is necessary to repay the principal and interest of the loan by disposing of assets, external financing and even implementing mortgage guarantee. From the bank's point of view, it is concerned that loans are usually divided into five categories according to the degree of risk, and it is impossible to fully repay the principal and interest of loans by relying entirely on their normal operating income.

Second, the five-level classification of credit information. What do you mean by the five-level classification of loans?

The five-level classification in personal credit information refers to the five-level classification of loans. Loans can generally be divided into five levels: normal, concern, secondary, suspicious and loss. This classification represents the degree of risk of loans, and the last three are non-performing loans. The above is the significance of the five-level classification of credit information.

Five-level classification details of personal credit information

1, normal: the borrower can perform the contract, and there are no factors affecting the borrower's timely and full repayment. Financial institutions can fully grasp the repayment ability of borrowers, and the probability of loan loss is 0;

2. Note: Although the borrower has the ability to repay the loan principal and interest, there are also some factors that may adversely affect the repayment;

3. Subgrade: There are obvious problems with the borrower's repayment ability, which is overdue from the beginning, and it is impossible to fully repay the loan principal and interest by relying on normal income. The loan loss rate reaches 30%-50%, which needs to be repaid by dealing with some assets of the borrower or even implementing mortgage guarantee;

4. Suspicious: The borrower can't repay the principal and interest of the loan in full, even if the pledge or loan guarantee is implemented, it will cause great losses. In order to recover the loss of funds, financial institutions will use the liquidation group to reorganize, merge and dispose of the borrower's assets to ensure the recovery of funds;

5. Loss: The borrower cannot repay the principal and interest. No matter what measures and procedures are taken, the loan will inevitably lose or recover a small amount of funds.

This paper is mainly about the five-level classification of credit information, and the content is for reference only.

Third, who formulated the five-level classification of credit information?

Five-level classification of credit information, relevant regulations of the central bank.

The five-level loan classification system is that banks mainly determine the risk degree of loan loss according to the borrower's repayment ability, that is, the actual ability to repay the loan principal and interest at last.

Five-level classification is recognized by the international financial industry as the quality standard of bank loans. Based on dynamic monitoring, this method continuously monitors and analyzes the borrower's cash flow, financial strength, collateral value and other factors to judge the actual loss of the loan.

The five-level loan classification system divides commercial loans into five categories according to the degree of inherent risk: normal, concerned, secondary, suspicious and loss.

4. What does the secondary status in the bank credit report mean?

Yes, one type, namely: normal, concerned, secondary, suspicious and lost. The first two categories (normal and concerned) belong to normal assets, while the last three categories (secondary, doubtful and loss) belong to normal assets.