The five-level loan classification system is that banks mainly determine the risk degree of loan loss according to the borrower's repayment ability, that is, the actual ability to repay the loan principal and interest at last.
Five-level classification is recognized by the international financial industry as the quality standard of bank loans. Based on dynamic monitoring, this method continuously monitors and analyzes the borrower's cash flow, financial strength, collateral value and other factors to judge the actual loss of the loan.
Normal: Normal means that the borrower can always repay the principal and interest normally after applying for a loan. The bank is fully confident that the borrower can repay the loan on time and the loan loss rate is zero; The borrower can perform the contract, and there is no sufficient reason to suspect that the loan principal and interest cannot be repaid in full and on time.
Subgrade: Subgrade means that the borrower has obvious problems in repayment ability. It can't repay the loan directly with its current income, and it needs mortgage or financing to pay off the loan. The loan loss rate is between 30% and 50%; There are obvious problems in the borrower's repayment ability, and it is impossible to repay the loan principal and interest in full by relying entirely on its normal operating income. Even if the guarantee is implemented, it may cause certain losses.
Suspicious: Suspicious means that the borrower has been unable to repay the loan, even if it is repaid by mortgage or guarantee, it will cause certain losses. The loan loss rate is between 50% and 75%; If the borrower can't repay the loan principal and interest in full, even if the guarantee is implemented, it will definitely cause great losses.
Loss: Loss means that the borrower cannot repay the loan in any way. The loan loss rate is between 75% and 100%. After taking all possible measures or all necessary legal procedures, the principal and interest cannot be recovered, or only a small part can be recovered.
Five-level classification of credit records. How to treat personal credit records?
After the description of loan and credit card repayment, there are 24 grids, and each grid represents the repayment in the past 24 months. These figures usually indicate:
/-indicates that no account has been opened;
*-indicates that there is no repayment history in this month, and the data with repayment period longer than this month are marked with this symbol, and the repayment frequency is irregular. If there is no repayment this month, it is indicated by *; This symbol is also used if repayment is not required in the current month.
N-normal (indicating that the borrower has repaid the current month's money in full and on time);
13354 ——1~ 30 days overdue;
23354-365438+0 ~ 60 days overdue;
-6 1 ~ 90 days overdue;
43354 —— it means that it is 9 1 ~ 120 days overdue;
—— 12 1 ~ 150 days overdue;
—— 15 1 ~ 180 days overdue;
—— It means that the overdue is more than 180 days;
D—— repayment by the guarantor (indicating that the borrower's loan has been repaid by the guarantor, including that the guarantor and the guarantor repay part of the loan on time);
Z-assets and liabilities (refers to the borrower's repayment of loans with assets and liabilities). Only refers to the debt repayment part);
C—— Settlement (The borrower has paid off the loan in full, and the loan balance is 0. Including normal settlement, early settlement, debt settlement with assets, and settlement on behalf of the guarantor);
G- settlement (any other form of account termination except settlement).
Tips:
Related questions and answers: