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濟南代辦公司談貸款的分類
發表日期: 2014-12-30 14:39:46      瀏覽:336次

1、濟南代辦公司http://www.emecgang.com/談到正常貸款借款人能夠履行合同,一直能正常還本付息,不存在任何影響貸款本息及時全額償還的消極因素,銀行對借款人按時足額償還貸款本息有充分把握。
Jinan agent company comes to normal borrower to fulfill the contract, has been able to normal debt service, any negative factors affecting full and timely repayment of the loan principal and interest does not exist, the bank borrowers to repay the loan principal and interest in full and on time and fully grasp.

2、濟南代辦公司介紹關注貸款借款人目前有能力償還貸款本息,但存在一些可能對償還產生不利影響的因素,如這些因素繼續下去,借款人的償還能力受到影響,貸款損失的概率不會超過5%。
Company Jinan agency concerned borrowers currently have the ability to repay the loan principal and interest, but there are some factors that may adversely affect the repayment, as these factors continue, the borrower's repayment capacity is affected, the probability of loan losses will not exceed 5% .

3、濟南代辦公司介紹次級貸款借款人的還款能力出現明顯問題,完全依靠其正常營業收入無法足額償還貸款本息,需要通過處分資產或對外融資乃至執行抵押擔保來還款付息。貸款損失的概率在30%-50%。
Jinan agent Company subprime borrower's repayment ability has obvious problems, rely entirely on normal business revenues to repay the loan principal and interest, you need to dispose of assets or through external financing and the implementation of collateral to repay interest. The probability of loan losses in the 30% -50%.

4、濟南代辦公司介紹若可疑貸款借款人無法足額償還貸款本息,即使執行抵押或擔保,也肯定要造成一部分損失,只是因為存在借款人重組、兼并、合并、抵押物處理和未決訴訟等待定因素,損失金額的多少還不能確定,貸款損失的概率在50%-75%之間。
Jinan agent Company suspicious loan if the borrower can not repay the loan principal and interest, even if the implementation of collateral or guarantees, part of the loss will be incurred only because of the presence of the borrower reorganization, merger, consolidation, mortgage processing and wait for pending litigation fixed factor how much amount of loss can not be determined, the probability of loan losses between 50% -75%.

5、濟南代辦公司http://www.emecgang.com/損失貸款指借款人已無償還本息的可能,無論采取什么措施和履行什么程序,貸款都注定要損失了,或者雖然能收回極少部分,但其價值也是微乎其微,從銀行的角度看,也沒有意義和必要再將其作為銀行資產在賬目上保留下來,對于這類貸款在履行了必要的法律程序之后應立即予以注銷,其貸款損失的概率在75%-100%。
Jinan agent company loan loss means the borrower is no longer possible to repay the principal and interest, regardless of what measures and what procedures to perform, the loan is doomed to lose, or it is able to recover a small portion, but its value is minimal, from the perspective of the bank's look there is no need then its meaning and retained as bank assets in the accounts, for such loans after fulfilling the necessary legal procedures should be canceled immediately, the probability of loan losses in the 75% -100%.

 
 

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