信贷人员素质与五级分类准确定性的矛盾。贷款五级分类与四级分类相比,更能真实、全面、动态地反映贷款质量,揭示贷款的风险程度,但其工作量大,涉及计算机、会计、信贷、法律等诸多方面的专业知识,要求分类操作人员必须具备较系统的业务综合素质和丰富的实践经验。而农 Conflicts between the Qualities of Credit Lenders and the Accuracy of Five Levels of Classification. Compared with the four-level classification, the five-level classification of loans can reflect the quality of loans more realistically, comprehensively and dynamically, and reveal the risk of loans. However, the workload of the five-level classification of loans involves many specialized fields such as computer, accounting, credit and law, Requirements classification operator must have a more systematic overall quality of business and rich practical experience. And farmer