The non-performing loan ratio of financial institutions is one of the important indicators to evaluate the security of credit assets of financial institutions. The higher the non-performing loan ratio, the greater the proportion of loans that may not be recovered in the total loans; The low rate of non-performing loans means that the proportion of loans that financial institutions can't recover is smaller.
The calculation formula of NPL ratio is as follows: NPL ratio = (subprime loans, doubtful loans and loss loans)/various loans × 100%.
= loan provision ratio/provision coverage ratio × 100%
Second, the non-performing loan ratio.
The warning line of the rate is 2%, that is to say, equal to or greater than 2%, which touches the warning line.
According to the forecast, the average non-performing loan ratio of commercial banks in 20 19 years is 1.9%, which is risky. If it is unhealthy, it will be of great help to the profitability of commercial banks.
Banks should reduce the non-performing loan ratio mainly by strengthening their own risk control ability and auditing.
definition
The non-performing loan ratio of financial institutions is one of the important indicators to evaluate the security of credit assets of financial institutions. The greater the proportion of loans recovered from non-performing loans to total loans; The low rate of non-performing loans indicates that financial institutions cannot recover loans, accounting for the total loans.
The calculation formula of NPL ratio is as follows: NPL ratio = (subprime loans, doubtful loans and loss loans)/various loans × 100%.
= loan provision ratio/provision coverage ratio × 100%.
Subprime loans refer to loans provided by some lending institutions to credit holders.
The definition of suspicious loan is that the borrower can't repay in full, which will cause great losses.
Loss loan refers to a loan whose principal and interest cannot be recovered or only a small part can be recovered after all possible measures or all necessary legal procedures are taken. After classifying all kinds of loans, the following three types of loans are classified as non-performing loans.
The non-performing loan ratio of financial institutions is one of the important indicators to evaluate the security of credit assets of financial institutions. The high rate of non-performing loans shows that financial institutions are at great risk of recovering loans; The low rate of non-performing loans shows that the risk of financial institutions recovering loans is small.
Three. Calculation formula of non-performing loan ratio
Legal Analysis: Calculation formula of NPL generation rate: NPL productivity = (NPL at the end of the period-NPL written off at the beginning)/NPL balance at the beginning.
Legal basis: Article 7 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank conducts credit business, it shall strictly examine the credit standing of the borrower, implement the guarantee and ensure the timely recovery of the loan.
Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.
Non-performing loan ratio refers to the proportion of non-performing loans of financial institutions to the total loan balance. The indicator is the calculated aperture data. Non-performing loans refer to loans that have been defaulted. Generally speaking, if the borrower fails to repay the principal and interest within three months, the loan will be regarded as a non-performing loan. When banks determine that non-performing loans cannot be recovered, they should write off these loans from profits.
The loan-to-excess ratio refers to the proportion of non-performing loans, that is, the non-performing loan ratio. The formula for calculating the proportion of non-performing loans in general banks is: non-performing loan ratio = (loans with doubtful loan losses)/loans × 100%= loan provision ratio/provision coverage ratio × 100%.
The overdue loan ratio is the overdue loan ratio, which refers to the proportion of overdue loan balance to the current loan balance. It usually reflects the extent to which loans issued by banks are not recovered on time. Usually, the main reasons of loans overdue are: delay in construction period, shutdown, unavailability after completion, low economic benefit after commissioning, inability to repay, great loss and refusal to return.
4. I plan to borrow money to buy a car. How to calculate the purchase tax and insurance?
1. The car loan fee does not include purchase tax and insurance.
2. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at special dealers. Loan to buy a car refers to the loan issued by the lender to the borrower who applies for buying a car. In fact, it is to borrow money from financial institutions to buy a car. However, financial institutions require car buyers to pay a certain percentage of down payment and provide proof of repayment ability. They have no bad credit record and must meet the requirements of financial institutions before they can apply for a loan to buy a car.
3. Basic knowledge of loan car purchase: 1) Total down payment = necessary commercial insurance for down payment. 2) purchase tax = purchase price /( 1 17%)× purchase tax rate (10%). 3) Licensing fee: Generally, the one-stop service fee provided by merchants is about 500 yuan, and the personal handling fee is about 373 yuan, including industrial and commercial verification 150 yuan, mobile license 30 yuan, environmental protection license 3 yuan, extension fee 40 yuan, driving license photo 20 yuan and pallet 130 yuan. 4) Vehicle and vessel use tax: unified in different provinces. Take Beijing as an example, there are 9 or less buses in 480 yuan and 9 or more buses in 540 yuan. 5) Compulsory traffic insurance: 6 or less families in 950 yuan, 6 or more families 1 100 Yuan. 6) Total term insurance: The average discount of insurance companies is 77%.