今年江总书记在全国金融工作会议上要求金融系统全面推行贷款质量五级分类法,这是我国金融工作中的一件大事,是我国加强银行贷款质量监管工作的一项重大举措。五级分类法更能准确地识别贷款的内在风险,判断贷款的实际损失程度,是提高信贷风险监管水平的有效途径。但由于长期以来形成的四级分类的习惯思维以及新生事物产生所必然带来的冲击,在推行过程中,有些问题,基层反映比较强烈。 This year, General Secretary Jiang called for the financial system to fully implement the five-tier classification of loan quality at the national financial work conference. This is a major event in our financial work and a major measure for strengthening the supervision over the quality of bank loans in our country. The five-level taxonomy can identify the inherent risk of a loan more accurately and determine the actual extent of the loan loss, which is an effective way to improve the regulatory level of credit risk. However, due to the four-level classification of habitual thinking and the inevitable impact arising from the emergence of new things, some problems have been raised in the implementation process and the grassroots units have reflected more strongly.