In loans overdue's analysis, we found the following important conclusions:
First, the overdue rate is increasing year by year. According to our data analysis, the loans overdue rate has been rising continuously in the past three years. This shows that the repayment ability of borrowers has a downward trend, which needs to attract the attention of banks.
Second, there are differences in different types of loans overdue. By comparing and analyzing the overdue rate of different types of loans, we find that the overdue rate of personal consumption loans is relatively low, while the overdue rate of corporate loans and housing loans is relatively high. This may be related to the small amount and relatively low risk of personal consumption loans, while corporate loans and housing loans involve large amounts and relatively high risks, so the overdue rate is high.
Third, the overdue time has a great influence on the overdue rate. We found that the longer the overdue time, the higher the overdue rate. This shows that banks need to collect overdue loans in time and manage risks to prevent overdue loans from deteriorating further.
To sum up, in the bank loans overdue analysis, we found that the loans overdue rate is increasing year by year, and the overdue situation of different types of loans is different, and the overdue time has a great influence on the overdue rate. Banks need to strengthen risk management and collection measures to reduce the adverse effects of overdue loans on banks.
Supplementary information:
Overdue loan means that the borrower fails to repay the principal and interest of the loan at the agreed time. Overdue loans will cause certain losses to banks and increase their risk exposure. Banks usually take a series of measures to prevent and manage overdue loans, such as strengthening pre-loan review, establishing an appropriate risk monitoring system and improving the collection mechanism. In addition, banks can classify overdue loans and take corresponding collection measures according to different overdue degrees. Bank loans overdue analysis is an important part of bank risk management, which can help banks understand and evaluate the situation in loans overdue, formulate corresponding risk control measures, and ensure the safe and stable operation of bank assets.