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始于1997年的亚洲金融风暴,给我们以深刻的启示,即长期以来我国金融领域中的贷款质量普遍低下问题不可忽视。为此,1998年4月,人民银行下发了《贷款风险分类指导原则(试行)》,决定改进商业银行现行的贷款分类方法,推行贷款风险分类方法。目前,这套新的贷款分类方法正在广东试点,1999年将向全国推广。
The Asian financial turmoil that began in 1997 gives us a profound inspiration that the problem of the generally low loan quality in the financial sector in our country has long been neglected. Therefore, in April 1998, the PBC issued Guiding Principles for Lending Risk Classification (Trial), which decided to improve the current loan classification methods of commercial banks and implement the loan risk classification method. At present, the new loan classification method is being piloted in Guangdong and will be promoted to the whole country in 1999.