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中国人民银行决定:从2002年起,在我国各类银行全面施行贷款质量五级分类管理。为了掌握辖内政策性银行、商业银行执行贷款质量五级分类情况及摸清其贷款占用形态的分类情况。最近,我行对辖内国有商业银行实施贷款“五级”分类和政策性银行实施贷款“八级”分类的情况进行了检查。我们发现金融机构在推行贷款质量五级分类管理中还存在着不少漏洞和问题,应引起有关部门的高度重视。 一、存在问题及原因分析 （一）未严格执行中国人民银行总行制定的《贷款风险分类指导原则》及各行总行制定的贷款分类办法及实施细则。具体表现为:
The People’s Bank of China decided: Since 2002, various types of banks in China will fully implement the five-tier classification of loan quality management. In order to grasp the classification of the five categories of loan quality implemented by commercial banks under the jurisdiction of the policy banks in the jurisdiction and find out the classification of their loan occupancy patterns. Recently, the Bank examined the implementation of the “five-tier” classification of loans by state-owned commercial banks and the “eight-level” classification of loans by policy banks. We find that there are still many loopholes and problems in the five-tier classification of financial institutions in implementing loan quality, which should arouse the attention of relevant departments. I. Existing Problems and Causes (I) The Guidelines for the Classification of Loan Risk and the classification of loans set by the head offices of all branches were not strictly implemented and the implementation details were not strictly implemented. Specific performance: