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。

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First, the article sees about the classification of loans, describing the five processes which arise bad loans in normal loan activities. and analyze the causes for our commercial bank bad assets.

首先，从考察贷款分类入手，描述了正常贷款生成不良贷款的五个区间过程，分析了我国商业银行不良资产的成因。

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The Five-class Classification of Loans is the base of the calculation of the series of indicators, which are used to evaluate the credit asset quality of the commercial banks.

我国对商业银行资产质量进行评估的一系列指标建立在信贷资产质量的五级分类基础之上。

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