what is the loan form?
loan form refers to the form after the loan is put into use, which can be divided into normal loans, non-performing loans, interest-bearing loans and extended loans. Non-performing loans include overdue loans, sluggish loans and bad loans.
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There are several types of loans
According to the business attributes of loans. 1. Refers to the loan independently issued by the lender with funds raised by legal means, and the risk is borne by the lender, and the principal and interest are recovered by the lender. 2. Entrusted loans. Refers to the loan provided by the principal such as government departments, enterprises, institutions and individuals, which is issued, supervised and recovered by the lender (i.e. the trustee) according to the loan object, purpose, amount, term and interest rate determined by the principal. The lender (trustee) only charges the handling fee and does not bear the loan risk. 3. Specific loans. Refers to the loans granted by the solely state-owned commercial banks after being approved by the State Council and taking corresponding remedial measures for the losses that may be caused by the loans. :
1. Short-term loans. Refers to the loan with a loan term of less than one year (including one year). There are mainly short-term loans of six months and one year. This kind of loan, also known as working capital loan, accounts for a large proportion in the whole loan business and is one of the most important businesses of financial institutions. 2. Medium and long-term loans. Medium-term loans refer to loans with a loan term of more than one year (excluding one year) and less than five years (including five years). Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years). RMB medium and long-term loans include fixed assets loans and special loans. According to the economic nature of the loan subject, it is divided into 1. Loans from state-owned and state-controlled enterprises. 2. Collective enterprise loans. 3. Private enterprise loans. 4. Individual industrial and commercial loans. According to the credit degree of loans, 1. Credit loans. Refers to the loan issued by the borrower's credit. 2. Guaranteed loan. Refers to guaranteed loans, mortgage loans,. Guaranteed loan refers to a loan issued by a third party with the promise that the borrower will bear the general guarantee responsibility or joint and several liability according to the agreement when the borrower cannot repay the loan. Mortgage loan refers to a loan that is issued with the property of the borrower or a third party as collateral according to the prescribed mortgage method. , refers to the loan issued with the movable property or rights of the borrower or the third party as the pledge according to the stipulated pledge method. 3. Bill discount. Refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper. According to the occupation pattern of loans in social reproduction, 1. Working capital loans. It can be divided into industrial working capital loans, commercial working capital loans and other working capital loans. 2. Fixed capital loans. Fixed capital loans for large and medium-sized projects are handled by China Development Bank and China Construction Bank. The funds for small and medium-sized projects are not only self-raised by enterprises and raised by society, but also an important loan business for wholly state-owned commercial banks and other commercial banks. According to the use quality of loans, 1. Normal loans. Refers to the loan that is expected to have a normal turnover and can be repaid in full and on time within the loan term. 2. non-performing loans. Non-performing loans include bad loans, sluggish loans and overdue loans. Bad loans refer to loans classified as bad loans according to the relevant provisions of the Ministry of Finance. Sluggish loans refer to loans that are overdue (including those due after extension) and have not been returned for more than a specified period of time according to the relevant provisions of the Ministry of Finance, or loans (excluding bad loans) that are not overdue or overdue but whose production and operation have been terminated and projects have been suspended. Overdue loans refer to loans (excluding sluggish loans and bad loans) that have not been returned due (including those due after extension) as agreed in the loan contract.
the worst classification form of loans from other banks
the morphological characteristics of bank loans are classified into five categories: normal, overdue, concerned, sluggish and bad debts. There are three ways of bank loans: credit, guarantee and pledge. The issuance of a loan must go through pre-loan investigation, loan review and post-loan inspection. Separate the examination and loan, with clear responsibilities. The quota is divided and the authority is clear. Establish a loan approval Committee. Members shall vote by secret ballot to decide whether or not. The president (director of the loan review Committee) can have one vote of veto. The interest of normal loans is calculated at the interest rate agreed in the loan contract. Overdue loans will be subject to the loan interest rate agreed in the loan contract and the additional penalty interest agreement, and additional penalty interest will be charged.
How to classify the five-level loan
The five-level loan classification of banks can be divided into normal, concerned, secondary, suspicious and loss according to the loan form. This is the difference between the current situation of stock loans within banks.