“从2006年开始,农村信用社将用一年的时间,由以期限管理为基础的‘一逾两呆’贷款分类全面过渡到以风险管理为基础的五级分类。”在日前全国合作金融监管暨改革工作会议上,银监会首次明确提出了农信社贷款五级分类的时间表,随即全国合作金融系统按照统一部署紧锣密鼓、全力推进贷款五级分类。五级分类重要意义和作用不言而喻,它不但成为今年各项工作焦点中的焦点,而且也是深化农信社改革的重 “From 2006 onwards, RCCs will make a comprehensive transition from a one-for-two loan based on term management to a five-level risk management-based classification within a year.” Recently, the National Cooperative Finance Supervision and reform work conference, the CBRC made the first clear timetable for the classification of loans of the rural credit cooperatives five times, then the national cooperative financial system in full swing in accordance with the unified plan to promote the five-level classification of loans. The significance and role of the five-level classification are self-evident. It has not only become the focus of various work focuses this year, but also the focus of deepening the reform of the rural credit cooperatives