1. Normal loan: The borrower has the ability to repay the loan principal and interest in full and on time with low risk.

2. Pay attention to the loan: At present, the borrower has the ability to repay the loan principal and interest, but there are some factors that may adversely affect the repayment. Need close attention and monitoring.

3. sub-prime loan: The borrower has obvious problems in repayment ability, and can't fully repay the loan by relying entirely on his normal income. sub-prime guarantee will also cause certain losses.