Type of company

1: Natural person Sole Corporation

2: Corporate Owned Corporation

3: Natural Investment or Holding

4: Other Limited Liability

5: Incorporated Limited

Normal

2.4%

12.3%

74.1%

6.3%

5.0%

Problematic

56.0%

2.5%

38.5%

1.1%

2.0%

Term of loan

1: days

2: 1 - 3 months

3: 4 - 6 months

4: 7 - 12 months

5: over 12 months

Normal

1.4%

17.1%

27.0%

37.3%

17.3%

Problematic

3.7%

56.0%

17.0%

14.3%

9.1%

Interest rate

1: <12%

2: 12% - 16%

3: 16% - 20%

4: >20%

Normal

38.9%

40.3%

17.4%

3.5%

Problematic

20.3%

23.2%

39.2%

17.3%

Security mechanism

0: no

1: yes

Normal

19.2%

80.8%

Problematic

31.1%

68.9%

Transfer of creditor’s rights

0: no

1: yes

Normal

57.0%

43.0%

Problematic

91.9%

8.1%

Automatic bidding

0: no

1: yes

Normal

77.9%

22.1%

Problematic

95.4%

4.6%

Fund custody

0: no

1: yes

Normal

63.4%

36.6%

Problematic

97.3%

2.7%

Background

0: no

1:yes

Normal

81.6%

18.4%

Problematic

99.4%

0.6%

Day-bid

0: no

1: yes

Normal

68.1%

31.9%

Problematic

23.7%

76.3%