农信社贷风险管理从四级分类到五级分的转变,是提高自身信贷资产质量和风险控制的内在要求。但推行贷款分类过程中发现的许多问题仍令人深思,这也充分说明只有从提高信贷资产质量和风险控制等方面做好文章,切实实现信贷管理模式从“形似”到“神似”转变,才能把农信社真正打造成产权明晰、经营有特色的现代金融企业。 The transformation of credit risk management of rural credit cooperatives from four-category to five-point is an inherent requirement to improve the quality of credit assets and risk control. However, many problems found in the process of implementing the loan classification are still deeply thought-provoking. This fully shows that only by effectively improving the quality of credit assets and risk control, and so on, can the credit management mode be transformed from “form” to “similar” The rural credit cooperatives real fight into a clear property rights, operating a unique modern financial enterprises.