通过实施贷款五级分类工作,农信社的信贷规范化管理正迈上新台阶。贷款五级分类可以真实反映农信社信贷资产质量的情况,纠正了贷款管理工作中存在的问题和不足,但目前实施贷款五级分类工作仍然存在五大矛盾,需要采取相应的化解措施。分类标准的原则性与实际操作随意性的矛盾从 Through the implementation of five-level classification of loans, RCCs’ standardized credit management is moving to a new level. The five-tier classification of loans can truly reflect the quality of credit assets of RCCs, and correct the problems and deficiencies in the management of loans. However, there are still five major contradictions in the implementation of the five-level classification of loans and corresponding measures for resolving the problems are needed. The contradiction between the principle of classification standard and the randomness of practical operation