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Influence of Qinglong Microfinance on Qinglong Pipeline Industry
Impact: Qinglong Pipe Industry Co., Ltd. recently suspended trading for two consecutive days. In view of the fact that the loan loss provision of subsidiary Qinglong Small Loan has greatly exceeded expectations and the company's performance in the first half of the year has turned into a loss, the company set up a debt collection team in May to be directly responsible for the loan debt collection, and is sorting out and checking the accounts and litigation and will disclose it in time. The responsible person of Qinglong Small Loan has been suspended for inspection, and further punishment measures will be taken in the future. However, whether Qinglong Small Loan can recover the loan on schedule is affected by many factors, and there is still uncertainty about the actual loss and the provision of new loan losses.

At present, small loan companies are taking various measures to actively collect overdue loans. Small loan companies have taken legal measures such as litigation, property preservation and additional collateral for overdue debts, and accrued impairment losses for related assets according to accounting policies. However, there is still some uncertainty about whether Qinglong Small Loan can fully recover and dispose of the overdue loans in the early stage.

1. Microfinance is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally between 1000 yuan and 200,000 yuan. The treatment process usually needs to be guaranteed. Microfinance is an extension of microfinance in technology and practical application. Microfinance in China: Mainly serving agriculture, rural areas and small and medium-sized enterprises. The establishment of small loan companies reasonably pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises. At present, there are also personal micro-loans for office workers, which are generally between 1 10,000-5,000 yuan. Most of them don't need a mortgage, but their credit and information are strictly reviewed.

2. Types of microfinance:

(1) According to the loan term, there are medium-term loans, medium-term loans and short-term loan overdrafts.

(ii) Local currency loans and foreign currency loans by currency

(three) according to the nature of the loan, economic organizations, enterprises, units, institutions and individuals.

(IV) Fixed assets investment loan projects of enterprises (economic organizations) are classified according to loan purposes. Financing loans are general fixed assets loans, working capital loans, temporary working capital loans, revolving loans, discounted bills, personal business loans, personal consumption loans, housing mortgage loans, first-hand housing loans, second-hand housing loans, commercial housing mortgage loans, automobile loans, first-hand cars, second-hand car student loans and other consumer loans.

(5) Divide fixed interest rate loans, floating interest rate loans and mixed interest rate loans according to interest rates.

(6) Discounting loan bills secured by credit loans according to the loan guarantee method.

(seven) according to the quality of loan assets (risk degree), divided into normal loans, concern loans, subprime loans and suspicious loan losses.

(8) Divide normal loans overdue loans (overdue by 0- 180 days), sluggish loans (overdue by 18 1-360 days) and non-performing loans (overdue by more than 36 1 day) according to the loan existence.

(IX) Classification of working capital loans and fixed capital loans according to the occupation form of loans in social reproduction (X) Classification of loan quality according to international practice (degree of risk) Usually paying attention to secondary suspicious losses (XI) Classification of traditional loans (also called offline loans), online loans (also called online loans) and mobile phone loans (through mobile phone loan APP loans) according to loan channels.