Sectors of Loans

Five Levels of Loan Classification

Five Levels of Loan Classification

The five levels of loan classification is based on the degree of risk, divided into five categories, namely, normal, concern, substandard, doubtful and loss category. From the borrower's repayment ability, willingness to repay, loan guarantee, loan repayment legal liability and other aspects of identifying and judging the degree of loan risk, with forward-looking, scientific and double clarity of the form and quality of the loan.

The specific standards are as follows:

Classification standards for loans to enterprises and institutions and other loans to natural persons

Rural cooperative financial institutions, on the basis of a full analysis of the likelihood of the borrower's timely and full return of the loan principal and interest, refer to the following basic standards for the initial classification of loans to enterprises and institutions and other loans to natural persons, and then determine the results of the classification strictly on the basis of the core definition.

Reference characteristics of the normal category:

a. The borrower's production and operation are normal, the main business indicators are reasonable, the cash flow is sufficient, and the borrower has been able to repay the principal and interest of the loan in full and on time.

b.The loan is not due.

c.The loan can pay interest on schedule

Reference characteristics of the concern category:

a.Changes in the macro-economy, the industry, the market, the technology, the products, the internal management of the enterprise or the financial situation have had an adverse impact on the normal operation of the borrower, but its ability to repay the loan has not yet been an obvious problem.

b. Possible adverse effects on the bank's debt arising from the borrower's restructuring (e.g., merger, demerger, contracting, leasing, etc.).

c. The borrower's poor willingness to repay the loan and its failure to cooperate actively with the bank

d. The borrower is unable to repay the loan principal and interest in full relying solely on its normal business income, but the loan guarantee is legal, effective, and sufficiently valuable, and the bank is fully capable of fully recovering the principal and interest of the loan through recovery of the guarantee.

e.Problems with the validity of the guarantee may affect the return of the loan.

f. The loan is overdue (including after rollover) for no more than 90 days (inclusive).

g. The interest owed on the loan is not more than 90 days (inclusive).

Reference characteristics of the subprime category:

a. The borrower is experiencing difficulty in making payments and is having difficulty obtaining new funds.

b.The borrower's normal business income and the guarantees provided are unable to ensure the bank's full recovery of the loan principal and interest.

c.The repayment terms of the loan borrowing contract of the loan need to be adjusted considerably due to the deterioration of the borrower's financial condition or inability to repay.

d. The loan is overdue (including after rollover) for more than 90 days to 180 days inclusive.

e.The interest on this loan is in arrears for more than 90 days to 180 days inclusive.

Reference characteristics of the doubtful category:

a.Due to the deterioration of the borrower's financial condition or inability to repay the loan, the loan is still overdue or the borrower is still unable to return the loan after the bank has made adjustments to the repayment terms of the loan contract.

b.The borrower is in a state of production suspension or semi-suspension for more than six consecutive months, with an unstable source of income, and even if the guarantee is enforced, the loan will surely result in a large loss.

c. Loans where the project is in a state of suspension or moratorium due to, business deterioration, litigation, etc. d. The borrower's gearing ratio exceeds 100% and continues to incur losses in the current year.

e.Loans where the bank has litigated and the execution process has not been finalized, and the loan cannot be fully liquidated and the loss is large.

f.The loan is overdue (including after rollover) for more than 180 days.

g. The loan is in arrears of interest for more than 180 days.

Reference characteristics of the loss category:

a.Loans that the borrower and the guarantor have declared bankruptcy, closure or dissolution in accordance with the law and have terminated their legal personality, and the bank has failed to recover the loans after recovering them from the borrower and the guarantor.

b.The borrower suffers from a major natural disaster or accident, the loss is huge and cannot obtain insurance compensation, or after the insurance compensation, it is really incapable of repaying part or all of the loan, and the bank fails to recover the loan after liquidating its property and recovering from the guarantor.

c. Although the borrower has not been declared bankrupt, closed or dissolved according to the law, it has completely ceased its business activities, and its business license has been cancelled or revoked by the industrial and commercial administrative departments at or above the county level according to the law, terminating its legal personality, and the bank fails to recover the loan after paying off the borrower and the guarantor.

d. The borrower has violated the criminal law and has been sanctioned according to the law, and his property is not enough to return the loan borrowed, and there is no other loan bearer, and the bank has really failed to recover the loan after recovery.

e. Because the borrower and the guarantor can not repay the loan due, the bank resorted to the law through the borrower and the guarantor of enforcement, the borrower and the guarantor after the guarantor have no property to execute, ruled that after the end of the implementation of the bank is still unable to recover the loan.

f. Due to the above reasons a to e, the borrower can not repay the due loan, the bank of the legally acquired assets against the loan, according to the assessment of the fair value of the market recognized in the book, after deducting the cost of acceptance of the assets against the loan, is less than the difference between the loan office, the loan is still uncollectible after the recovery of the loan.

g. When advances are incurred for the issuance of letters of credit, handling of promissory notes, issuance of guarantees, etc., the applicant for the issuance of the letter of credit and the guarantor granting the above reasons from a to f are unable to repay the advances, and the bank is still unable to recover the advances after recoveries.

h. Loans written off by the State Council on an ad hoc basis.

The Bank's credit sector dimension is subdivided into several categories

The Bank's credit sector can be subdivided into five categories:

1. Concerns: the borrower is currently able to repay the principal and interest of the loan but there are some factors that may adversely affect the repayment of the loan, which, if continued, would impact on the repayment ability of the borrower.

2. Subordinate: the borrower's repayment ability has obvious problems, began to have overdue, and completely relying on its normal business income can not fully repay the loan principal and interest, the need to repay the loan by dealing with some of the borrower's assets, or even the implementation of collateralized guarantees, the loss rate of the loan has reached 30-50%.

3, suspicious: the borrower can not fully repay the loan principal and interest, even if the implementation of the mortgage or guarantee, but also certainly cause greater losses, the probability of loan losses up to 50-75%.

4, loss: the borrower has been unable to repay the principal and interest, no matter what measures and procedures, the loan is doomed to lose, or to recover a very small portion of the funds from the point of view of the financial institutions, there is no need to retain in the accounts of the assets, the rate of loss of its loans accounted for 75-100%.

5, doubtful debts: the call can not be recovered, long-term in a state of stagnation of the loan, there is the possibility of becoming a bad debt of money, such as credit reports in this state, apply for credit cards is extremely difficult.

Loan companies belong to what industry?

What industry does the company belong to

It belongs to the non-financial industry that can operate the money it currently belongs to the enterprise class in accordance with the company law to set up but to appease him in accordance with the requirements of the financial class of enterprises to set up the internal control mechanism and the financial system, so at present his identity status is very embarrassing to perform the real financial without the name of the financial in accordance with my personal opinion he is belong to the

Private undisclosed small financial nature

What industry does the company belong to? What is the industry classification code?

The company belongs to the financial industry, according to "National Economic Industry Classification and Code (GB/T4754-2002)", should belong to the "its d unspecified financial activities", the industry code for the J719

What is the industry of giving loans to people

The financial services industry

The company belongs to the financial services industry. p>Financial services industry

Whether the company is considered a financial enterprise

The company does not have a financial license, although engaged in the lending business, but the relevant state departments have not been enrolled in the management of financial enterprises, therefore, in the absence of a new policy before the provisions of the commercial banks to provide loans to the company to make loan interest income needs to be normal payment of business tax.

Financial enterprises:

It refers to the enterprises that need to obtain the financial business license granted by the financial supervisory department to carry out their business, including policy banks, postal savings banks, state-owned commercial banks, joint-stock commercial banks, trust and investment companies, financial asset management companies, financial leasing companies and some finance companies that need to obtain the banking license to carry out their business; securities companies, futures companies, and futures companies that need to obtain the securities license to carry out their business; the securities companies, futures companies, and futures companies that need to obtain the securities license to carry out their business. The securities companies, futures companies and fund management companies that need to obtain securities business licenses; and insurance companies that need to obtain insurance business licenses.

What type of company

Hello, simple: small loan company is a non-banking financial institutions, in the industrial and commercial registration code 7600! Professional store that is, the company is a natural person, corporate legal persons and other social organizations to invest in the establishment of a limited liability company or limited liability company, does not absorb public deposits, business operations.

What industry or field does the loan belong to?

Belongs to the financial industry

Credit loan company belongs to what organization's company

Loan processing process:

1, the lender needs to fill out a written application form and prepare relevant materials.

2, the bank to review the lender's application materials, and verify whether the situation is true.

3. After the review, the lender and the bank sign a loan contract.

4, the bank side of the loan, the borrower in accordance with the agreement to fulfill the repayment.

What does a credit company do

Credit company:

Credit company is a non-banking financial institution approved by the China Banking Regulatory Commission (CBRC) in accordance with the relevant laws and regulations, specializing in the provision of loan services for individuals and individual businessmen.

Business Description:

I. Small individual mortgage loans, mainly pledged in certificates of deposit, not exceeding 95% of the face value of the certificates of deposit.

II. Individual housing loans: individual commercial loans; individual provident fund loans; individual portfolio loans.

Three, personal automobile consumer loans

Four, personal consumer durables loans

Five, personal consumer loans

Six, personal micro-credit loans

Seven, automobile mortgage loans, car mortgages are becoming increasingly popular with small business owners with short-term micro-credit.

Which industry does a loan to buy a house belong to

Financial credit

How many types of loans are there?

Loans are divided into the following five types

1, credit loans

Credit loans are currently the most popular form of lending, the borrower only needs to provide ID cards, proof of employment, proof of income, proof of the purpose of the loan and other proof, and a good personal credit status will be able to obtain a loan.

2, mortgage

Mortgage loans tend to have lower interest rates and less pressure on the borrower to pay back the loan, which can be secured by a house, a vehicle and so on.

3, entrepreneurial loans

Now the country has a support policy for entrepreneurship, common loans are subsidized loans and interest-free loans.

4, personal business loans

Applying for a personal business loan requires full civil capacity, a local hukou, a local fixed place of business, and stable income. And you need to provide legal collateral.

5, student loans

There are four main forms of student loans, namely, national student loans, credit student loans, colleges and universities to use the state financial funds for students to handle interest-free borrowing and commercial student loans. Student loans do not require guarantee and collateral, borrowing students can apply to the bank through the school, and then repay in installments after graduation.

Common types of bank loans

Like we usually go to the bank to apply for a loan, the main thing is to apply for credit loans, mortgages, mortgages commercial loans, provident fund loans, guaranteed loans, insurance policy loans and so on.

Credit loans are loans that are issued on the basis of the borrower's creditworthiness without the need to provide collateral;

Mortgage loans are loans that are issued on the basis of the borrower's provision of collateral as security for the loan to ensure that the loan is repaid on maturity;

Mortgage loans are loans that are issued on the basis of the borrower's creditworthiness,

The mortgage loan is a loan that is issued in the form of a mortgage, which is a mortgage loan for a home.

Public Provident Fund (PF) loans are loans available to employees who have paid into a PF;

Guaranteed Loans are loans granted on the condition that a third party provides the borrower with a corresponding guarantee;

Policy Loans are loans granted on the basis of the cash value of a life insurance policy as a guarantee.

Loans to Farmers Bank of China Industry Classification

Loans to Farmers Bank of China Industry Classification of commercial working capital loans. According to the economic composition is divided into state-run, collective, individual; according to the industry is divided into food, commerce, textile, medicine, aquatic, new China bookstore, foreign trade and so on.