Overdue loans are non-performing loans. Basic types of non-performing loans: 1. Overdue loans refer to loans that are overdue (including due after extension) and cannot be returned (excluding sluggish loans and bad debt loans). 2. Sluggish loans refer to loans that are overdue (including due after extension) and cannot be repaid for more than 2 years (including 2 years) and loans that are not due or overdue for less than 2 years