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20 0 2年我国商业银行全面实施贷款质量五级分类,各家银行都根据中国人民银行《贷款风险分类指导原则》以及各自总行“分类实施细则”对贷款质量进行分类。贷款质量五级分类的实施对揭示贷款的实际价值和风险程度,真实、全面、动态地反映贷款质量起到了积极的作用。但在贷款质?
China’s commercial banks have implemented a five-tier classification of loan quality in an all-round manner. Each bank classifies the loan quality according to the “Guiding Principles for Risk Classification of Loans” of the People’s Bank of China and the “Classification Implementation Rules” of its head office. The implementation of the five-tier classification of loan quality has played a positive role in revealing the actual value and risk level of loans and truly, completely and dynamically reflecting the quality of loans. But in the loan quality?