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经国务院批准,中国人民银行决定参照国际通行做法,结合我国实际,改进贷款质量分类办法,从过去以期限管理为主的将贷款分为正常、逾期、呆滞、呆帐的分类方法,改为以风险管理为主的“五级贷款”分类法,即将贷款质量划分为正常、关注、次级、可疑和损失五类。从今年下半年开始,在政策性银行、国有独资商业银行、其他商业银行和城市商业银行中开展“清分”工作。
Approved by the State Council, the PBC decided to refer to the internationally accepted practice and improve the classification of loan quality in light of China’s actual conditions. From the past, the classification of loans into normal, overdue, sluggish and bad debts based on term management was changed to Risk management-based “five loans” classification, that is, the quality of loans is divided into normal, concerned, secondary, suspicious and loss of five categories. Starting from the second half of this year, “clear-up” will be carried out in policy-oriented banks, wholly state-owned commercial banks, other commercial banks and urban commercial banks.