农村信用社贷款五级分类制度执行中存在的问题及对策探讨——以陕西省十一家县级信用联社为例

Problems in Implementing the Five-Level Credit System of the Rural Credit Cooperative and Countermeasures --Taking 11 County-Level Credit Cooperatives in Xaanxi Province as an Example

贷款五级分类是巴塞尔资本协议倡导的信用风险管理的基本方法，目前我国农村信用社在执行贷款五级分类制度中仍然存在着认识上的不足和分类不准确的问题，为此文章通过实例分析有针对性地提出了加强农村信用社贷款五级分类管理的对策。

Five-level classification of credit is the basic means of credit risk management advocated by Basel＇s Capital Agreement. However, there are some problems for the rural credit cooperatives of China to be aware of the exact classification in implementing the five-level system. Therefore, the paper analyzes these problems with sufficient examples and puts forward some countermeasures.