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中国人民银行颁发的《贷款风险分类指导原则(试行)》,将信贷资产质量划分为正常、关注、次级、可疑和损失五类,对风险资产的判定更加客观、准确,可及时、全面、动态地反映风险资产的真实质量,发现潜在风险,发挥预警作用。通过初步学习,感到这项工作除意义重大、十分重要之外,同时也是一项较为复杂的系统工程,从表面看似乎仅仅是商业银行的工作,其实不然,贷款风险分类除以商业银行为主体外,涉及到社会的诸多方面。
The Guidelines for the Classification of Loans Risk (for Trial Implementation) issued by the People’s Bank of China classify the quality of credit assets into five categories: normal, concerned, subordinate, suspicious and loss. The judgment on risky assets is more objective, accurate, timely and comprehensive, It dynamically reflects the true quality of risky assets, identifies potential risks and plays an early warning role. Through preliminary study, I feel that this work, apart from being of great significance and importance, is also a relatively complicated systematic project. On the surface, it seems that the work of commercial banks only seems to be the work of commercial banks. In fact, the classification of loan risks is mainly divided by commercial banks In addition, it involves many aspects of society.