Five loan risk classification

A: normal, normal loans loans. Borrowers are able to perform the contract, there is no sufficient reason to doubtThe principal and interest of the loanCan not be repaid in full and on time.

Concerned about the type of loan

Two: subprime loans, non-performing loans

Doubtful loans

The loss class loan

1, the normal kind of loan. Borrowers are able to perform the contract, there is no sufficient reason to doubtThe principal and interest of the loanCan not be repaid in full and on time.

2, concerned about the type of loan. Although the borrower has the ability to repayThe principal and interest of the loanHowever, there are some repayment may be adversely affected by factors.

3, subprime loans. The borrower's repayment ability obvious problems, completely rely on their normal business income can not be repaid in fullThe principal and interest of the loanEven if the execution, guarantee, may also cause some loss of.

4, doubtful loans. Borrowers are unable to repay the full amountThe principal and interest of the loanEven if the execution, guarantee, great losses will still be caused.

5, the loss class loan. After taking all possible measures and all the necessary legal procedures, still unable to recover the principal and interest, or only a small portion can be recovered.

The following loans should be at least to concern category:

(a)PrincipalAndInterestAlthough not yet overdue, but the borrower to use mergers and restructuring, separation and other forms of malicious evasion of bank debts.

Two.Borrow new also old, or through other financing means to repay.

(three) changeThe use of the loans.

(four) the principal or interest on overdue.

(five) the same borrower on part of the debt the bank or other banks have bad.

(six) in violation of relevant state laws and regulations and loans.

The following loans shall be classified as sub categories:

(a) the overdue (including the extension after) over a certain period, theInterest receivableNo longerIncluded in the current profits and losses.

(two) the borrower by merger, division and other forms of malicious evasion of bank debts,PrincipalOr have been overdue interest.

The need to restructure the loan shall be classified as secondary class.

Restructured loansRefers to the bank due to deterioration in the borrower's financial status, or unable to repay the loan repayment and make adjustments to the loan contract terms.

Restructured loans (referred to asRestructured loansIf it still fails), or the borrowers are still unable to repay loans, should be at least to the suspicious kind.

Restructured loansThe classification of high grade shall be at least 6 months observation period, the end of the observation period, should be strictly in accordance with the provisions of these guidelines classify.