The borrower can't repay the loan principal and interest in full, even if the guarantee is implemented, it will definitely cause heavy losses, which is a suspicious loan.

In any of the following circumstances, it is generally classified as suspicious:

(1) The borrower is in a suspended or semi-suspended state, and the fixed asset loan project is in a suspended or postponed state;

(2) The borrower is actually insolvent;

(3) The borrower enters the liquidation procedure;

(4) The borrower or its legal representative is involved in a major case, which has a significant impact on the normal business activities of the borrower;

(five) after the reorganization of the borrower, it is difficult to implement the debts of the rural cooperative financial institutions or it is impossible to repay the principal and interest normally although it has been implemented;

(6) After many negotiations, it is obvious that the borrower has no willingness to repay;

(7) have recourse to legal recourse for loans;

(8) The principal and interest cannot be repaid normally after the loan restructuring;

(9) Loans of borrowers in other financial institutions are classified as losses;

(10) Loans or advances for off-balance sheet business with overdue principal or interest exceeding 18 1 day exceed 9 1 day.