The calculation formula of non-performing loan ratio is as follows: Non-performing loan ratio = (substandard loans + doubtful loans + loss loans) / various loans × 100% = loan provision ratio / provision coverage ratio × 100%.

The non-performing loan ratio refers to the proportion of non-performing loans of financial institutions to the total loan balance. This indicator is calculated based on local and foreign currency data.

Non-performing loans refer to loans that are in default. Generally speaking, a loan is considered non-performing if a borrower delays repaying principal and interest for three months. When banks determine that non-performing loans are no longer recoverable, they should write them off from profits.

How to calculate the defective rate, for example, if the total number is 861, what is the defective rate if 91 are defective?

Defective rate calculation formula: Defective rate = number of various defects ÷ total number of inspections × 100%

In this question, the defective rate = 91÷861x100%=10.569%

< p>Lot Tolerance Percent Defective (LTPD) refers to the quality level that the sampling plan considers unacceptable and should be rejected. It is usually defined as the failure rate that will be rejected 90% of the time.

It can be said that when the batch quality failure rate is at or worse than LTPD, it will be rejected 90% of the time. If the batch is qualified, then there is 90% confidence that the quality of the batch is better than LTPD. It can also be said that the probability of LTPD being accepted is 10%. LTPD is the defective rate of customer risk (β) or the probability of receiving defective products. Customer risk is usually 10%.

Extended

The batch allowable defective rate and AQL (acceptable quality level) are applicable to the environment of customer acceptance sampling, for example:

Requirements for incoming materials Destructive testing.

Due to cost and time reasons, full inspection cannot be achieved.

Incoming suppliers have a good history of acceptable products.