(一)2002年,各家商业银行开始全面推行贷款质量五级分类。实行五级分类,本意并不仅仅在于推广区别于“一逾两呆”的贷款质量划分标准,更重要的是希望以此促进商业银行解决经营中存在的一些实质问题,如解决信贷资产质量的识别滞后以及贷后管理薄弱问题;更加真实地反映银行收益, (I) In 2002, various commercial banks started to implement the five-tier classification of loan quality in an all-round way. The implementation of the five-category classification is not intended only to promote the standard of division of loan quality which is different from the “one more than one stay”, but more importantly, to promote the commercial banks to solve some substantive problems in their operations, such as solving the quality of credit assets Identify lags and weak post-lending management; more realistically reflect the bank’s earnings,