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我国银行贷款质量以前按逾期、呆滞和呆账而划分为三类。从1998年开始,我国按照国际通行的办法,在广东省开展贷款质量五级分类办法试点。1999年,我国全面推行贷款质量五级分类法。贷款质量五级分类法按照贷款的不同风险程度而划分为5个不同的档次,即把贷款分为正常、关注、次级、可疑和损失五类。正常贷款是指借款人能够严格履行合同,有充分把握按照足额偿还贷款本息的贷款。
The quality of bank loans in China was divided into three categories according to the past due, sluggish and bad debts. Since 1998, our country has piloted a five-level classification of loan quality in Guangdong Province according to internationally accepted methods. In 1999, China implemented the five-tier classification of loan quality in an all-round way. The five-tier classification of loan quality is divided into five different grades according to the different risks of the loan, that is, the loans are classified into five categories: normal, concerned, subordinate, suspicious and loss. Normal loan means that the borrower can strictly perform the contract and fully grasp the loan in full and repay the principal and interest of the loan.