Referring to the industrial rules and CCB's rules, the paper presents a clear definition of credit assets risk classification and describe the rules on how to recognize the risks.
本文的主要内容为参考行业及本企业的规则明确信贷资产风险分类的定义以及识别规则；
Loans risk classification involves some essential factors, such as financial element, non financial element, cash flow, credit support, overdue time.
近年提出的贷款风险五级分类法，需考虑财务、非财务、现金流量、信用支持及逾期时间等诸方面要素的影响。
In particular, the credit risk of Banks in the five-category loan classification method for identifying a detailed analysis and research.
特别地，对银行信贷风险识别的五级分类法进行了详细分析和研究。
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