The so-called off-balance-sheet interest on non-performing loans of banks refers to "if loans overdue has not recovered for more than 90 days (including the extension period), the accrued interest will stop being included in the current interest income and be included in the off-balance-sheet accounting; If the accrued loan interest income is not received 90 days after the interest receivable expires, the interest income originally included in the profit and loss will be offset and transferred to off-balance sheet accounting. "

If it is not recovered after 90 days, the interest income that has been included in the profit and loss will be transferred back.

Interest on overdue and sluggish loans will continue to be calculated. If the bad debts cannot be recovered, the interest will not be calculated.

Second, how does the banking system hang up the accounts of loan households?

There are many banks that can't be found for many reasons, such as newly opened banks or banks that have changed their names because of relocation. Once, I couldn't find Bank of China Capital Airport Sub-branch in online banking. Choose to fill in the bank name manually when transferring money. As long as you fill in the correct bank name, you will generally receive it.

3. What is a bank non-performing loan? What is bad debt?

I have been an account manager of personal loan business for 7 years, and I will answer this question with you. If you think the answer is ok, please like it and pay attention.

Let's explain them one by one.

First, the so-called non-performing loans of banks include three types of credit assets: subprime, doubtful and loss. Loans formed by timely repayment of loan principal and interest. Generally speaking, as long as your loan is not repaid on time and overdue for more than 90 days, it has become a non-performing loan.

Second, bad debts refer to loans that banks have been unable to recover or are unlikely to recover. Generally speaking, after the loan expires. All belong to bad debts. For loans that cannot be recovered, banks will make them at regular intervals. Of course, which loans can be verified as internal secrets of the bank, and outsiders have no accounts to eliminate. The bank will always keep the original documents and restore them. In the words of insiders of our bank, unless the loan goes from the borrower to the guarantor, it will

Third, bad debts will be accrued from the bank's bad debt reserve, which belongs to asset reduction and nature reduction.

These are my answers to these questions. Please also point out the shortcomings.

4. What is suspended account and interest?

Account cancellation interest mainly refers to credit card account cancellation interest, which can be handled in the following three ways:

1, telephone banking cancellation: general credit cards can be cancelled through telephone banking. Of course, some banks may have a little trouble, while others, such as China CITIC Bank and China Merchants Bank, are very convenient. Note that you can cancel your credit card by phone only if you can cancel it.

2. Cancellation of bank counters: Take good documents, such as ID cards and credit cards, and prepare money if credit cards owe money. Remember to avoid the rush hour of the bank, so as not to queue for too long and delay your normal work and life. Explain the situation to the staff truthfully. If you really want to return your card, don't change your mind easily

3. Cancellation in the business hall of designated banks: As there are still gaps in the regulations on credit cards in various banks and there are many types of credit cards, some banks will have clear regulations on the cancellation of some credit cards.