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第一章贷款分类的目标第一条为建立现代银行制度,改进贷款分类方法,加强银行信贷管理,提高信贷资产质量,特制定本指导原则。第二条本指导原则所指的贷款分类,是指按照风险程度将贷款划分为不同档次的过程。通过贷款分类应达到以下目标:(一)揭示贷款的实际价值和风险程度,真实、全面、动态地反映贷款的质量;(二)发现贷款发放、管理、监控、催收以及不良贷款管理中存在的问题,加强信贷管
Chapter I Objectives of Loan Classes Article 1 These Guidelines are formulated in order to establish a modern banking system, improve loan classification methods, strengthen credit management of banks and improve the quality of credit assets. Article 2 The classification of loans as mentioned in these Guidelines refers to the process of dividing loans into different grades according to the degree of risk. The following objectives should be met through the classification of loans: (1) To reveal the actual value and degree of risk of loans so as to truly, completely and dynamically reflect the quality of loans; (2) To find out the problems existing in the issuance, management, monitoring and collection of loans and non-performing loan management Problems, strengthen credit management