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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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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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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