2. Non-performing loans: loans that have not been repaid for two years or more after the repayment period expires;

3. Non-performing loans: loans that have not been repaid after the borrower and guarantor declare bankruptcy liquidation.

The above are non-performing loans, including related contents.

The concept of non-performing loans

Non-performing loans refer to the information that the borrower fails to repay the loan according to the repayment time agreed in the loan agreement, or that the lender cannot repay the principal and interest of the commercial bank loan on time according to the initial loan agreement. Since 2002, China has implemented a five-level loan classification system. According to the risk degree of loans, bank credit assets are divided into five categories, namely, normal, concerned, secondary, suspicious and loss. Non-performing loans mainly refer to subprime, doubtful and loss loans. The information of non-performing loans will affect the credit information, and borrowers must pay attention to repayment on time. This article mainly writes about non-performing loans, including relevant knowledge points, for reference only.