The deviation of loan classification proposed by CBRC that the proportion of loans overdue for more than 90 days and non-performing loans should be controlled within 5% refers to the deviation of loan classification. The operating results of the five-level loan classification are different from the actual situation, including the deviation of the four-level non-performing loan classification and various deviations of the five-level loan classification.

The concept of loan deviation is the change of loan classification authenticity from qualitative analysis to quantitative analysis. It is also a process of quantifying, analyzing, deepening and refining the loan classification results.

The loan deviation proposed by CBRC is actually the loan deviation, that is, the difference between the approved non-performing loan ratio and the non-performing loan ratio reported by credit cooperatives (loan deviation = non-performing loan ratio). Review and measure the ratio of non-performing loans reported by loans-credit cooperatives.

Moderate loan: when applying for a loan, users must fully consider the financial situation of individuals and families, and the monthly repayment amount should not exceed 50% of the family's total monthly income.

Loan users should choose appropriate loan products: individuals need to choose appropriate loan varieties, loan terms and repayment methods according to their own conditions.

Extended data:

At the beginning of its establishment, China Banking Regulatory Commission was mainly responsible for:

1. Formulate rules, systems and measures for the supervision of banking financial institutions, draft relevant laws and administrative regulations, and put forward suggestions for formulation and revision.

2. To examine and approve the establishment, alteration, termination and business scope of banking financial institutions and their branches.

3, on-site and off-site supervision of banking financial institutions, investigate and deal with illegal acts according to law.

4. Review the qualifications of senior managers of banking financial institutions.

5. Be responsible for the unified compilation of data and statements of banking financial institutions nationwide, send a copy to the People's Bank of China, and publish them in accordance with relevant state regulations.

6, in conjunction with the Ministry of Finance, the people's Bank and other departments to put forward opinions and suggestions on the sudden risk disposal of deposit financial institutions.

7, responsible for the daily management of the board of supervisors of state-owned key banking financial institutions.

8. To undertake other tasks assigned by the State Council.

Baidu Encyclopedia-China Banking Regulatory Commission

Baidu encyclopedia-loan deviation