The following main characteristics of substandard loans are (　).

Answer: C, D, E

Sub-prime loans refer to obvious problems with the borrower’s repayment ability, and the borrower cannot fully repay the principal and interest of the loan solely relying on its normal operating income. Even if the guarantee is enforced, there may be some loan losses. Items A and B are characteristics of special-mention loans. Therefore, CDE is chosen for this question.

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