The classification method of "one loan exceeds two loans" is to divide non-performing loans into overdue loans, sluggish loans and loans that exceed the contract period and time. The classification method is based on loan term management. Simple and easy; Its defect is that the identification of loan quality lags behind, and it is difficult to measure the actual risk of loan in a timely, comprehensive and true way. Loan risks are classified into five categories: bills, sub-categories, doubtful categories and losses, and the latter three categories are collectively called non-performing loans. This classification is not based on the loan term, but mainly on classification. The borrower's repayment ability is a comprehensive concept, including the borrower's cash flow, financial status and the ways that affect the repayment ability, which can accurately reflect the loan quality and help commercial banks grasp and control the loan risk in a timely, dynamic and comprehensive manner.

2. What does the provision rate mean?

Provision ratio refers to the proportion of bad debt provision. For example, at present, the provision for bad debts of accounts receivable of listed companies in China is 9%, that is, the provision for bad debts is made according to 9% of the balance of accounts receivable, and the provision for bad debts enters the current profit and loss. It is a possible provision for bad debts of bank loans, an aspect for banks to carefully consider and guard against risks, and also a reaction industry.

3. What is the difference between the loan "one excess and two retention" classification and the loan risk classification?

Sorry, change it. I'm the account manager. I just asked the risk department of our bank. . . Such a little negligence should be suspicious.

The characteristics of suspicious category are: the borrower can't repay the loan principal and interest in full, even if mortgage or guarantee is implemented, it will certainly cause certain losses, but the amount of losses can't be determined because of the borrower's reorganization, merger, merger, mortgage disposal and pending litigation, and the probability of loan losses is between 50% and 75%.

The characteristic of loss category is the possibility that the borrower has repaid the principal and interest for free. No matter what measures and procedures are taken, the loan is bound to be lost, or even if a small part can be recovered, its value is minimal. From the bank's point of view, it is meaningless and necessary to keep it as a bank asset in the accounts. Such loans should be written off immediately after the necessary legal procedures are fulfilled, and the probability of loan loss is 75%-65438.

Please give points.

4. What is the difference between overdue loans, sluggish loans and non-performing loans?

For a long time, China's loan classification has been extended to "one excess and two retention", namely overdue loans, sluggish loans and non-performing loans. What do you mean, respectively? What is the difference? Dr. Kang will answer your questions.

The classified management of "one loan exceeds two loans" mainly classifies loans into four categories according to the borrower's repayment status: normal, overdue, sluggish and bad debts, which is a management method in post-event supervision.

Three concepts:

Overdue loan refers to the part of the loan that has not been paid off within the repayment period stipulated in the contract.

Sluggish loans refer to loans borrowed by borrowers from banks that can't be turned over normally in their capital operation and can't be fully recovered within 5 years after being confirmed by banks.

Non-performing loans refer to loans that are overdue (including extension) for more than 3 years (including 3 years), which are confirmed as bad debt losses according to the specified conditions according to the collection loan management, but are ready to be written off without approval.

The difference between sluggish loans and non-performing loans;

A sluggish loan refers to a loan that has passed the final repayment period, but has not had time to fully accrue bad debts. Bad debts are overdue loans and can be fully accrued. According to financial regulations, those overdue for more than three years can be treated as non-performing loans.

These two concepts are mainly the differences in financial accounting. The former is reflected as an asset in the account, and the latter is fully accrued for bad debts, so it is not reflected as an asset in accounting (or the asset is already zero). But from the legal point of view, it will all be due and unfulfilled creditor's rights, and there is no substantive difference.

The difference between sluggish loans and overdue loans:

1, applicable object

Sluggish loans are mainly for corporate borrowers, but there is no limit to the number of people who apply for overdue loans, which can be corporate borrowers or individual borrowers. So overdue loans are more applicable than sluggish loans.

2. Loan recovery time

Sluggish loans are generally confirmed by banks and cannot be recovered within 5 years. Overdue loans refer to loans that are not repaid on time on the repayment date, but the recovery time is uncertain, and may be recovered the next day after the deadline, or may not be recovered in the end.

Step 3: Determine the time.

It will take some time for a loan to be determined as a sluggish loan, and the bank staff will evaluate it. The identification of overdue loans is relatively simple. Failure to repay on the agreed repayment date is an overdue loan.

Generally speaking, there is a big difference between sluggish loans and overdue loans, and bad debts are a serious overdue situation in the credit report. As long as there are bad debts on the credit report, it means that you are isolated from the banking business. It is impossible to handle credit cards and loans. If it is not handled in time, it will take five years for the bad debt record on the credit information to be automatically cleared.

Therefore, for overdue, bad debts and other credit problems, it is best to conduct regular "credit physical examination" to clarify your credit situation and avoid forgetting to pay the annual fee.