贷款五级分类是指商业银行依据借款人的实际还款能力进行贷款质量的五级分类。即按风险程度将贷款划分为五类：正常、关注、次级、可疑、损失，后三种为不良贷款。1998年5月，中国人民银行参照国际惯例，结合中国国情，制定了《贷款分类指导原则》。
贷款质量五级分类办法 the five-category assets ; The five-category assets classification for bank loans
现行的贷款五级分类方法是在运用会计原理审慎原则的基础上制定的。
The present loan five level of taxonomic approaches are in utilize the accounting principle careful principle in the foundation to formulate.
在此基础上，结合当前我国贷款五级分类法的要求，建立了利用马尔科夫转移矩阵预测贷款状态的模型。
Based on this a prediction model for loan status is set up with the aid of Markov transfer matrix.
调查中发现五级分类目前还存在问题，贷款损失准备计提的基础不牢靠。
Through the investigation, many problems are found on the five-grade loans classification, maybe incorrect provisions are set aside for loan losses.
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