According to the guiding principle of loan risk classification in China, a normal loan in China refers to a loan in which the borrower can perform the contract and there is no sufficient reason to suspect that the loan principal and interest cannot be repaid in full and on time. Item A is the definition of normal loan in the United States. The loan of concern in China refers to that although the borrower has the ability to repay the loan principal and interest at present, there are some factors that may adversely affect the repayment of the loan principal and interest. Item b is correct. China's sub-prime loan refers to a loan with obvious problems in the borrower's repayment ability, which can't guarantee the full repayment of principal and interest by relying entirely on its normal operating income, and even if the guarantee is implemented, it may cause certain losses. Item C is the definition of suspicious loans in China. Loss loan in China means that after taking all possible measures and all necessary legal procedures, the principal and interest can still be recovered, or only a small part can be recovered. Item d error. Therefore, choose B in this question.