The details are as follows:
1. Loans overdue for more than 9 days: Loans overdue for more than 9 days refer to loans that the borrower has not repaid for more than 9 days after the specified repayment date. These loans often have a high risk of default, which may lead to the loss of bank assets.
2. Non-performing loans: Non-performing loans refer to loans from banks or other financial institutions, which are defaulted, defaulted or violated by the borrower due to its failure or inability to repay on time. These loans have high risks, which may have a negative impact on the profitability and solvency of banks.
3. ratio of loans overdue for more than 9 days to non-performing loans: the ratio of loans overdue for more than 9 days to non-performing loans is calculated by dividing the amount of loans overdue for more than 9 days by the amount of non-performing loans to obtain a ratio. The higher the ratio, the greater the default risk of banks and the worse the loan quality.
Summary: The ratio of loans overdue for more than 9 days to non-performing loans proposed by CBRC is an indicator for evaluating the risk of bank loans. This ratio reflects the default risk and loan quality faced by banks. Banks should actively control overdue loans and prevent the growth of non-performing loans, so as to enhance their risk resistance.
Extended information: Both overdue loans and non-performing loans are important risk factors for banks. Banks need to conduct risk assessment and management in the process of loan issuance, including reviewing the borrower's credit status and repayment ability. It is very important to find and solve the problem of overdue and non-performing loans in time for the steady operation and risk control of banks.
The above is an answer to the ratio of loans overdue for more than 9 days to non-performing loans proposed by CBRC. This ratio is an important indicator to evaluate the risk of bank loans, reflecting the default and quality of bank loans. Banks should actively control overdue loans and prevent the growth of non-performing loans, so as to enhance their risk resistance.