According to the credit information, the borrower's overdue breach of contract is more serious. You can check letters and numbers. If n is normal repayment, the number 1~7 indicates the number of days overdue. The larger the number, the longer the overdue time. In short, if the credit report is suspicious, it means that the borrower's financial situation has deteriorated sharply and he has been unable to repay most of his debts.

After lending money, the bank will conduct daily inspections. Under any of the following circumstances, the handling bank will immediately require the borrower to convert the loan by increasing the collateral recognized by it and optimizing the loan guarantee conditions, so as to reduce the loan risk or recover the loan according to law.

1. The borrower's income changes, which has a significant impact on its repayment ability.

2. The borrower refuses or obstructs the handling bank to supervise and inspect its income and expenditure and loan use.

3. The borrower will use the loan for projects explicitly prohibited by national laws and financial regulations.

4. The borrower provides false documents, materials or other false information, which endangers the safety of bank credit funds.

5. The borrower fails to repay the loan interest for two consecutive periods.

6. The borrower has an event that affects its solvency (such as litigation, arbitration or other administrative and legal disputes) or lacks sincerity in paying debts.

7. The borrower is dead, missing or incapacitated; In addition, if other banks think that the security of credit funds may be damaged, they may also recover loans.

Five categories of loans:

This is the financial industry's classification standard for the quality of bank loans. It is mainly based on the continuous monitoring and analysis of the borrower's cash flow, financial strength, collateral value and other factors to judge the current loan situation, which is divided into five categories: normal, concerned, secondary, suspicious and loss.

1, normal. The borrower has the ability to repay the loan on time, and the loans overdue rate is 0, so it will be normal.

2. pay attention. This means that the borrower has the repayment ability at present, but there are some factors that may make it difficult for the borrower to repay. The overdue rate is 5%, which will be listed as a concern.

3. secondary. According to the analysis, the borrower's repayment ability has been in trouble, and his income can't be repaid normally, so he can only pay off the loan by mortgage or financing, and the loans overdue rate is between 30% and 50%.

4. suspicious. It means that the borrower has been unable to repay the loan, and the overdue rate is very high. At least 50%~75% of the loans are unable to repay.

5. loss. Loss means that the borrower cannot repay the loan in any way.