1. What do m0, m1, m2, m3, L refer to

M0-----cash in circulation

M1--- --M0 Demand deposits of enterprises and institutions

M2-----M1 Time deposits of enterprises and institutions, residents' savings and other deposits

M3-----M2 Private institutions and companies Large time deposits

L-------M3 various securities

2. What do the overdue accounts m1m2m3 mean?

The "m" here is actually the initial letter of "Months" in English, which is translated into Chinese as "month", so "m1, m2, m3" represents a time period.

The time period referred to by "m1" is "between the second bill date of non-repayment and the last repayment date of the second bill." During this period of time, the bank adopts a reminder collection method, and imposes penalty interest on unpaid amounts and charges late payment fees.

The time period referred to by "m2" is "between the third bill date of non-repayment and the last repayment date of the third bill." During this time period, bank collectors will call to inform you of the consequences of non-payment. If necessary, we will contact the debtor's relatives and friends to assist the debtor in repaying the debt.

The time period referred to by "m3" is "between the fourth bill date of non-repayment and the final repayment date of the fourth bill." During this period of time, banks adopt a forced repayment approach, and collectors will require debtors to repay through phone calls, text messages, and letters from lawyers.

Overdue aging refers to accounts that have not been collected or unpaid for more than three years, which is called overdue aging in finance.

Overdue accounts caused by overdue account aging refer to accounts receivable that still have no book cash inflow after the agreed book receivable date expires. There is a risk of bad debts. The longer the account age, the higher the risk. The bigger. When the account age exceeds a certain age, provision for bad debts needs to be made for overdue accounts receivable.

Account receivableage refers to the length of time a company has not yet collected accounts receivable. It is usually divided into 5 levels according to the reasonable turnover days of the respective enterprises, such as within 30 days (reasonable turnover days). The number of days is set to 30 days), 30-60 days, 60-120 days, more than 120 days and bad debts (no sales have been generated for more than 120 days). Detailed aging information is provided in the accounts receivable section of the notes to the financial statements.

3. What do the overdue accounts m1m2m3 mean?

The "m" here is actually the initial letter of "Months" in English, which is translated into Chinese as "month", so "means a time period.

"m1" refers to The time period is "between the second unpaid bill date and the last repayment date of the second bill." During this time period, the bank adopts reminder collection and imposes penalty interest on the unpaid balance. , charge late payment fees.

The time period referred to by "m2" is "from the third bill date of non-payment to the last repayment date of the third bill. The bank collector will call and contact you if necessary. Relatives and friends of the debtor assist the debtor in repaying the debt.

The time period referred to by "m3" is "between the fourth bill date of non-repayment and the last repayment date of the fourth bill." At this time, it is a forced repayment. The collector will ask the debtor to repay through phone calls, text messages, and letters from lawyers.

Overdue aging refers to accounts that have not been collected or unpaid for more than three years, which is called overdue aging in finance.

After the payback date caused by overdue account aging expires, there is still no account, and there is a risk of bad debts. The longer the account age, the greater the risk. When the account age exceeds a certain age, provision for bad debts needs to be made for overdue accounts receivable.

Accountre refers to the length of time the company has not collected accounts receivable. It is usually divided into 5 levels according to the reasonable turnover days of the respective enterprises, such as within 30 days (reasonable turnover days) Aging information is provided in the notes to the financial report regarding accounts receivable.

IV. What does credit report m2 mean?

m means month, m1 means 1 month overdue, m2 means 2 months overdue, m3 means 3 months overdue, and m4 means 4 months overdue. Additional knowledge. : 1. Personal credit report.

1. Basic personal information, including the name, gender, age, work unit, contact address and other information used to identify the individual of the person being credited. 2. Bank credit, this item will list the situation of each credit card and loan business in detail, specifically showing the past debt history of the party being credited. 3. Credit reporting agencies and credit-granting banks often analyze consumers’ behavior and consumption preferences from this information, and judge their future repayment ability based on their past willingness to repay. This information is important. 4. Non-bank credit, recording consumers’ payment status for communications, water, electricity, and coal, such as whether mobile phone usage is normal, whether public utilities are in arrears, etc. 5. Objection record. If the party being credited has a dispute with the content reflected in the report, it can be reflected in this part by adding a statement. The right of individuals to raise objections reflects the protection of personal legitimate rights and interests, and is also a credit reporting An important way to correct and update institutional information. 6. Query records are a summary of all the records that have been queried by the individual in the last 6 months. If there are too many inquiry records and there are no credit card or loan records during this period, the bank will think that the qualifications of the party being credited are not good, which will affect future loan applications and credit card processing. 2. How long does it usually take for a credit report to be filed overdue? It depends on the specific situation to make a judgment. Generally, there will be the following situations: 1. Generally, online lending institutions want to access the central bank's credit reporting system and need to submit relevant application materials. The central bank's credit reporting will send relevant personnel for training and guidance and acceptance inspection, and they need to pay a certain amount every year. Maintenance costs, so general online lending institutions are not qualified and cannot afford it. If an online loan that is not on your credit report is overdue, don’t panic. There will only be liquidated damages and phone calls for collection. As long as you have sufficient funds, you can pay it back in time. 2. Online loans with credit bureau. Most of the online lending institutions on the market now rely on credit bureaus. This year, some unlicensed small loan companies have been cleared, and the trend in the future will also be towards higher credit bureaus. Online lending institutions rarely have a time tolerance, that is, a grace period. As long as the payment is overdue, the repayment will be considered overdue the next day, and the records will be uploaded to the central bank center truthfully. Therefore, for online loans that have a credit report, remember Don't underestimate it, otherwise it will have a great impact on future business. 3. Time tolerance, commonly known as grace period. Each bank or online loan company has its own regulations, which will give the cardholder/borrower a buffer period of about 3-5 days. If the loan is repaid within these days, it should be regarded as the cardholder repaying the loan on time. There are also some online lending institutions. You must do some research on the lending institution before applying. The simplest way is to consult customer service to avoid adverse consequences. 3. Loan process. 1. Loan application. The borrower applies for a loan to a local bank. In addition to applying for rural loans, you must provide relevant information when applying for other types of loans. 2. Loan investigation. The bank investigates the borrower's legality, safety, profitability, etc. 3. Loan approval. Banks review and approve loans in accordance with a loan management system that separates loan review from loan review and provides graded review and approval. 4. Sign the contract. The bank signs a loan contract with the borrower. 5. Loan disbursement. The bank issues loans on time according to the loan contract. 6. Post-loan inspection. The bank conducts follow-up investigations and inspections on the borrower's execution of the loan contract and the borrower's operating conditions. 7. Loan repayment. When the loan matures, the borrower must repay the principal and interest of the loan in full and on time. If he wants to extend the loan, he should submit a loan extension application to the bank before the loan maturity date. Whether to extend the loan is decided by the bank.