透视我国贷款风险分类的细化

Concise Analysis on the Subdivision of Loan Risk Classification in Domestic Banks

近期我国出现五级贷款分类细化的趋势,银行信贷管理的基础发生较大变化,因此受到普遍关注。新分类具有两维评级、事前分类性质、定量分析为主、动态预警等特点,同时在统计方面、实践方面和贷款文化建设方面存在着问题。对此,应积极改进思路并探讨方法,为我国细化的贷款分类的发展提供参考依据。

The current of subdivision of five class loan classification in domestic banks appeared recently, and me basis of bank credit management has been greatly changed, so it has got general concern. The new loan classification has advantages such as two-dimension evaluation, beforehand classification, quantitative analysis and dynamic early warning etc., but also has problems in statistic, practice and loan culture building aspects. Based on those problems, suggestions to upgrade its thinking way and means of classification will provide reference for the further development of the subdivision of loan classification in domestic banks.