What is the classification of the postal savings bank loans?

Postal savings and loan classification refers to the postal savings bank in accordance with the risk degree of the loan into a different file, its essence is the possibility of judgment debtors to repay the loan principal and interest in full.

Postal savings bank through the loan classification to achieve those goals?

1The actual price of loans and the degree of risk, real, comprehensive, dynamically reflect the quality of loans;

2Discover the existing problems in the process of credit management, to strengthen the management of the loan

3For judging the adequacy of loan loss provision provide basis

Classification of postal savings bank loans which should follow the principle of?

1The authenticity principle. The classification should reflect the risk status of the real objective

2Timeliness principle. Should be timely dynamic changes according to the situation of management borrowers adjust classification results

3The importance of the principle. The influence factors of loan classification, to evaluate the borrower's repayment ability as the core, the borrowers' normal operating income as the main source of repayment of loans, loan guarantees as a secondary source of repayment

Postal savings and loan should be what classes?

At least the loans into normal (borrowers are able to perform the contract, there is not enough reason to doubt the loan cannot be repaid in full and on time) attention (although the borrower now have the ability to repay the loan principal and interest, but there are some possible factors that adversely affect the secondary (borrowers) payment ability obvious problems, completely rely on their normal business income can not repay the loan in full the principal and interest, even if the collateral, may also cause some loss of suspicious () the borrower cannot repay the loan in full, even if the collateral, certainly will cause a greater loss) loss (in taking all possible measures and all the necessary legal procedures, the principal and interest of loans still unable to recover, or can only recover less part)

In the five class, three class (secondary, suspicious, loss) is called the bad loan

The postal savings bank to classify the loan. Should pay attention to what factors?

Attention should be paid to the repayment ability of borrowers, the borrowers repayment record, the borrower's repayment willingness, loan project profitability, repayment of the loan's legal liability, the postal savings bank loan management

Such loans should pay attention to what?

The 1 principal and interest is not yet overdue, but borrowers use mergers and restructuring, separation and other forms of malicious evasion of bank debt2 borrow new also old. Or through other financing means to repay3 change the lending

4 of the principal or interest on overdue5 the same borrower on part of the debt the bank or other banks have bad

6 in violation of the relevant state laws and regulations, the issuance of loans

Subprime loans mainly refers to those?

1Overdue (including the period after) over a certain period, the interest receivable not included in the current profits and losses

2The merger, split form by malicious evasion of bank debts, the principal or interest is overdue

The need to restructure the loan should be what kind of level?

Restructured loans should at least be secondary class. The restructured loans refers to the bank due to the deteriorating financial situation or unable to repay the lender, adjust loan repayment terms of the loan contract

The postal savings bank should do what in the loan classification?

The 1 set of assets and credit risk management policy, taxonomic revision of the detailed rules for the implementation of operation or business operation process

2 development and use of credit asset classification operation system and management information system

3 ensure that the credit assets classification with classification knowledge and professional quality necessary

The establishment of a complete credit files, guaranteeing the classification information accurate, continuous, complete

Establish the effective credit organization management system, forming a mutual supervision and internal control mechanism control, to guarantee the loan classification is independent, continuous, reliable