Non-performing loans and credit risk assets. The potential non-performing loan market usually refers to some loans and credit risk assets owned by financial institutions (such as banks, securities companies and insurance companies). ) There is a potential risk of default but it has not yet become an actual non-performing loan. These potential non-performing loans usually refer to those loans with potential risks within the repayment period, and these loans are not overdue, including poor operating and financial conditions of lenders, decreased profits, decreased profitability, weakened payment ability or other operational risks.