Normal: Normal means that the borrower has been able to repay the principal and interest normally after applying for the loan, and the bank is fully confident that the borrower can repay the loan on time, and the loan loss rate is zero;
Concern: Concern means that the borrower has the ability to repay the principal and interest at present, but some factors may interfere with the repayment of the loan, and the bank judges that the loan loss rate is 5%;
Subprime loan: Subprime loan refers to the borrower's repayment ability has obvious problems, and he can't repay the loan with his current income, so he needs to pay off the loan by mortgage or financing. The loan loss rate is between 30% and 50%;
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%;
Loss: Loss means that the borrower cannot repay the loan in any way. The loan loss rate is between 75% and 100%.