1. What is the allowable range of bank bad debt ratio?

Answer: The bank’s official bad debt ratio is only 1.67.

The main reasons are as follows:

1. The official bank rate is 1.67. According to the industry's prevailing 90-day overdue rate, Lufax's rate is below 1.5, which translates into an annualized bad debt rate of 5-6.

2. China has increased restrictions on large state-owned banks, requiring the five largest domestic banks to continue to control the ratio of non-performing loans below 5 after financial restructuring.

3. The bad debt rate is the ratio of bad debts to total credit sales. Bad debt rate = annual bad debts/total annual credit sales.

2. How appropriate to control the bad debt rate

In China’s decades of economic development, we have been constantly learning the technologies and living habits of overseas countries. In the past, the Chinese people The traditional thinking is to save money first, but it is different now. The concept of overdraft consumption has been engraved into the cognition of the new generation of young people. Things such as credit cards, Huabei, borrowing, etc. can be said to be human resources. All.

For example, when we are in need, credit cards and Huabei can solve our "urgent needs", and credit cards are also very convenient and cost-effective to use. After all, if you repay the loan on time, the bank will also You will be provided with many interest-free repayment activities. Of course, it does not rule out that modern young people are more impulsive in their consumption. For them, living in the present is the most important thing. While enjoying the beauty brought by material things, they forget the trouble of repayment. To some extent, credit card overdue is still relatively common in modern society. For banks, not all the money lent can be recovered one by one. According to bank financial data, the bad debt ratio is generally between 1 and 2.5.

In fact, whether it is an individual or a business, there will be some debt problems to a greater or lesser extent. All loans include some bad loan records. Some may simply have no money to pay back temporarily, and some may have bad debts, and it will be difficult to get the money back. So how do banks respond to this situation? Why do some people's loans have obviously been overdue for a long time, but banks never take the initiative to collect them? Is it because the money does not have to be repaid?

In fact, banks naturally have special handling methods for these overdue situations. Generally speaking, banks will adopt different handling methods according to the length of overdue time. Even if the debt is overdue for a long time and it has become a "bad debt", it doesn't matter, because in comparison, the most serious damage is not to the bank, but to the lender itself.

For example, if it is overdue within 3 months, this kind of overdue time is very short, and the bank will handle it by professionals. In other words, if the bank will not manage these overdue situations by itself, it will use special collection agencies to require debtors to repay in time through telephone calls, text messages and other communication methods. As long as you still have the intention to repay, you can contact the bank Negotiate to extend your repayment bill.

For example, if the loan is overdue for more than 6 months but less than a year, it is actually considered to be overdue for a long time. However, the bank will still communicate with the debtor. If there is nothing that can be done during the loan period, If you mortgage something, the bank will choose a "forced" method to take away and sell your assets. If the things taken away are not enough to repay the debt, then the bank will choose other ways to solve the problem. For example, if the overdue time is more than one year, the probability of being judged as bad debt will be very high. Even if a collection agency takes action, it is difficult to recover the funds, but in most cases they are still treated as bad debts. But don’t think that you can stop repaying the money. If you fail to repay the money for a long time, it will cause problems with your credit report. If the loan is not very large and you are included in the credit “blacklist”, then you will be It has brought considerable impact and can be said to be quite "more losses than gains".

So if you have money, it is recommended that you pay off your financial debts first. If there are problems with your credit report, your life will be subject to many restrictions in the future, such as taking out a loan to buy a house or You can just give up on buying a house, and it may even seriously affect your travel problems.

3. What is the bank's bad debt ratio?

It is an estimate. Based on the bad debts in previous years, the proportion of bad debts in this year is estimated. Because it is impossible to release all the money. If it can be recovered, there must be a certain amount of loss, which is similar to the provision for bad debts in a company. If a company owes things to merchants, there will always be merchants who fail to pay back the money when it is due, or who are unable to pay back the money due to other reasons. That is bad debt

4. What is the allowable range of bank bad debt ratio?

During this trip, I met a banker who had bad debts from a bank. Y was not optimistic. Although he did not know what the bank’s total bad debt rate was, his estimate was between 5 and 10.

Y also deals with credit. Among the loans he handles, there are more than 10 problematic loans. Of course, these will not be reflected in the statements, because as long as the loan is still paying interest, it is not considered a bad debt. For example, in his hands For a loan, the boss has run away, but the industry is still there. The creditors include banks and private individuals. The solution is that the bank guarantees not to press the payment. The company pays the bank interest first, but guarantees not to press the payment. Can the principal be repaid in the future? , depending on the reorganization results and future operating conditions, of course the reorganizer also requires the bank to lower interest rates, and everyone is still negotiating.

Such a loan is considered a normal loan in the bank's statement. Y said that bank loan officers are under great pressure now, and branches are trying their best to bear it first, because if special mention loans are exposed, they may

If the loans in question are like this, the bad debt rate will increase, but the specifics will be To what extent may depend on the degree of recovery of the real economy.

However, even if 5% of bad debts can be sustained for several years by relying on the bank's own provisions and profits, the impact will still be quite large