The ratio of loans overdue for more than 90 days to non-performing loans proposed by the China Banking Regulatory Commission refers to the proportion of non-performing loans among bank loans that are overdue for more than 90 days. This ratio is an important indicator for assessing the risk status of bank loans, reflecting the default situation and quality of bank loans.

Details are as follows:

1. Loans overdue for more than 90 days: Loans overdue for more than 90 days refer to loans that the borrower has not repaid more than 90 days after the specified repayment date. . These loans often carry a higher risk of default, which can result in a loss of bank assets.

2. Non-performing loans: Non-performing loans refer to loans from banks or other financial institutions that are in default, default or breach of contract due to the borrower not repaying on time or being unable to repay. These loans carry higher risks and may have a negative impact on the bank's profitability and solvency.

3. The ratio of loans overdue for more than 90 days to non-performing loans: The ratio of loans overdue for more than 90 days to non-performing loans is calculated by dividing the amount of loans overdue for more than 90 days by the amount of non-performing loans to get a Proportion. The higher this ratio is, the greater the bank's default risk and the worse the loan quality.

Summary: The ratio of loans overdue for more than 90 days to non-performing loans proposed by the China Banking Regulatory Commission is an indicator used to evaluate the risk status of bank loans. This ratio reflects the default risk faced by the bank and the quality of its loans. Banks should actively control overdue loans and prevent the growth of non-performing loans to improve their risk resistance.

Extended information: Overdue loans and non-performing loans are important risk factors for banks. Banks need to conduct risk assessment and management during the loan granting process, including reviewing the borrower's credit status, repayment ability, etc. Timely detection and resolution of overdue and non-performing loan problems are very important for the bank's stable operations and risk control.

The above is the answer to the ratio of loans overdue for more than 90 days to non-performing loans proposed by the China Banking Regulatory Commission. This ratio is an important indicator for assessing the risk status of bank loans, reflecting the default situation and quality of bank loans. Banks should actively control overdue loans and prevent the growth of non-performing loans to improve their risk resistance.