实行贷款五级分类是深化农村信用社改革的重要举措,对于全面、准确地识别、反映和监控信用风险,促进农村信用社建立审慎经营理念具有重要意义,也是监管部门实施审慎持续监管的前提和基础。最近,我们对临沂市农村信用社贷款五级分类工作开展情况进行了调查分析。 Implementing the five-tier classification of loans is an important measure to deepen the reform of rural credit cooperatives. It is of great significance to comprehensively and accurately identify, reflect and monitor credit risk and promote the establishment of a prudent management concept for rural credit cooperatives. It is also a prerequisite for the regulatory authorities to implement prudent and continuous supervision. basis. Recently, we conducted a survey and analysis of the five-level classification of loans to rural credit cooperatives in Linyi City.