The proportion of bank loans overdue for more than 90 days to non-performing loans has dropped to less than 90%. Liu Chunhang, director of the Statistical Information and Risk Monitoring Department of the China Banking and Insurance Regulatory Commission, said at a briefing of the China Banking and Insurance Regulatory Commission on February 28 that regulatory authorities are highly concerned about the authenticity of non-performing loans. In particular, the accuracy of asset classification is the focus of supervision, and it is also the focus of controlling financial chaos. He said that the proportion of banking institutions' loan balances that are overdue for more than 90 days and non-performing loans is a better indicator of the accuracy of asset classification. "This proportion continues to decline, and it fell to less than 90% at the end of last year."

The benefits of lowering the ratio

In fact, there are benefits to lowering the ratio. After all, many people will not repay the money they borrowed, causing the loans to be overdue. Therefore, loans that are overdue for more than 90 days account for the proportion of non-performing loans. It should be lowered so that there is more room to receive other loans. If all non-performing loans are loans that are overdue for more than 90 days, then the non-performing loans can also be called overdue loans. Therefore, the relevant departments of the country do not allow this to happen. They will collect debts from those who fail to repay overdue loans and ask them to repay quickly. In this way, the proportion of loans that are overdue for more than 90 days among non-performing loans will decrease. .

If you borrow money, you have to repay it.

In fact, if you borrow money, you have to repay it. You cannot let the loan be overdue. If the loan is overdue, it will also increase the bank's bad debts. affect bank operations. Therefore, banks will continue to collect debts from people who do not repay, asking them to repay quickly. Only when all people who are overdue for more than 90 days pay back their money, will the bank's non-performing loans reduce the operation of the entire bank and be better. harmonious.

So if you take out a loan from a bank, you must repay it before the repayment deadline. If you really can't repay the loan, don't let the loan be overdue for more than three months. This will create a bad credit record and have a corresponding impact on your future credit business with the bank. So if you borrow money, you have to pay it back. You can't escape this. You still have to pay it back on time.