The five-level classification in credit information refers to the five-level classification of loans. Loans can generally be divided into five grades in credit investigation, namely, normal, concerned, secondary, suspicious and loss. This classification represents the degree of risk of loans, of which the last three are the levels of non-performing loans.
First, normal.
The borrower can perform the contract, and there are no factors that affect the borrower to repay the loan in full and on time. Financial institutions have a full grasp of the borrower's repayment ability, and the probability of loan loss is 0.
Second, concern
Although the borrower has the ability to repay the loan principal and interest at present, there are some factors that may adversely affect the repayment. If these factors persist, the borrower's repayment ability will be affected and the probability of loan loss will not exceed 5%.
Third, secondary schools.
There are obvious problems with the borrower's repayment ability, and it is overdue from the beginning, so it is impossible to repay the loan principal and interest in full by relying entirely on its normal operating income. It is necessary to repay the loan by dealing with part of the borrower's assets or even implementing mortgage guarantee, and the loan loss rate has reached 30%-50%.
Fourth, suspicious.
The borrower can't repay the loan principal and interest in full, even if the mortgage or guarantee is implemented, it will definitely cause great losses. In order to recover the loss of funds, financial institutions will use the collection team to reorganize, merge, merge and dispose of collateral of borrowers' assets to ensure the return of funds. Even if the labor cost is lost and wasted, the debt due will be recovered.
Verb (abbreviation for verb) loss
The borrower has been unable to repay the principal and interest. No matter what measures and procedures are taken, loans will inevitably lose or recover a very small part of the funds.
Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.