Commercial Banks need to carry out strict classification of mortgages before they make loans.
商业银行在进行贷款之前，需要将抵押物进行严格的分类。
The current of subdivision of five class loan classification in domestic Banks appeared recently, and the basis of bank credit management has been greatly changed, so it has got general concern.
近期我国出现五级贷款分类细化的趋势，银行信贷管理的基础发生较大变化，因此受到普遍关注。
It has been ten years since 1998 when state-owned commercial banks were regulated to hand in their data on loans quality, in the framework of the Five-class Classification of Loans.
我国商业银行从1998年开始报送用五级分类口径统计的以贷款质量为主的资产质量数据，至今已有十年。
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