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自1998年人民银行发布《贷款风险分类原则（试行）》以来，各商业银行在推行贷款“五级分类”管理方面做了大量工作，实践证明它较“一逾两呆”的分类方法能更科学地揭示贷款的质量状况和风险程度，能更有效地加强商业银行的贷款管理工作。但在具体实施过程中也遇到了一些问题或难?
Since PBC released the “Loan Risk Classification Principle (Trial)” in 1998, various commercial banks have done a great deal of work in implementing the “five-category classification” of loans and have proved that it is “more than one” The classification method can reveal the quality status and risk level of loans more scientifically and can more effectively strengthen the loan management of commercial banks. However, in the specific implementation process also encountered some problems or difficulties?