Refers to the loan in which the borrower can't repay the loan principal and interest in full, and even if the mortgage or guarantee is implemented, it will certainly cause certain losses, but the loss amount is small. Has the following characteristics:

1. The borrower has difficulties in production and operation and is unable to repay the loan principal and interest.

2. Although the borrower's production and operation are normal, it has been in a state of suspension or semi-suspension, and the products have no market, and the enterprise is insolvent and has no preservation value.

3. The borrower has the ability to repay but has no willingness to repay.

4. The borrower is overdue, but it has not reached 90 days.