bank loans risk classification 银行贷款风险分类
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。
Article 8 Banks shall institute the prudent system of provisioning for loan losses based on risk-based classification of loans.
第八条银行应以贷款风险分类为基础，建立审慎的贷款损失准备制度。
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