为揭示贷款的实际价值和风险程度,真实、全面、动态地反映贷款的质量,银行业已全面推行贷款的五级分类,并把它作为信贷管理的一项基础性工作定期开展。这种分类方法对发现银行贷款发放、管理、监控、催收以及不良贷款管理中存在的问题,防范和化解信贷资产风险具有重要意义。实施过程中,基层行处对贷款五级分类的操作存在不少具体问题,值得注意。 In order to reveal the real value and risk level of loans and truly, completely and dynamically reflect the quality of loans, the banking sector has fully implemented the five-tier classification of loans and conducted it on a regular basis as a basic credit management work. This classification method is of great significance to discovering the problems in the issue, management, monitoring, collection and collection of bank loans and the management of non-performing loans, and preventing and resolving the risks of credit assets. In the process of implementation, there are quite a few specific problems concerning the operation of the five-tier classification of loans at the grass-roots level and are worth noting.