贷款五级分类制度的本土化考验与对策  

The Naturalizing Tests and Countermeasures of the Five-grades Judgment System of Loans

作　　者：刘旌[1] 

机构地区：[1]中国社会科学院研究生院政府政策与公共管理系

出　　处：《中国社会科学院研究生院学报》2005年第3期30-34,共5页Journal of Graduate School of Chinese Academy of Social Sciences

摘　　要：2001年,我国商业银行的贷款分类制度以五级分类标准取代了沿用多年的一逾两呆标准。三年来,从美国漂洋过海引入我国的五级分类制度在本土化实践的考验中,逐步凸显出一些致命缺陷,直接影响着信贷资产质量评估结果的真实性。股改上市后,对五级分类制度进行剖析和改进显得愈发迫切。以设置精确化的标准提高分类的准确性;以规避利益冲突确保分类的真实性;以提倡专业主义、淡化机关化色彩提高分类工作质量,是改进这项制度的基本思路。In 2001, The five-grades judgment system (FGJS) of loan assets adopted by China's commercial bank began to replace the 'one overdue- two slacks' system which had been in use for many years. In the past three years, the FGJS introduced into China from abroad encountered in practice many naturalizing difficulties, which revealed conspicuously some crucial defects, and affected the truthfulness of the quality resulting from the loan asset evaluation.It is imperative to improve the system design by means of setting up concise standards, avoiding conflicts of interests in the risk exposure process, and advocating specialization and decrease of blight from bureaucracy.

关 键 词：贷款五级分类制度 本土化考验 中国 工作质量 设计理念 分类准确性 利益冲突 

分 类 号：F832.4[经济管理—金融学]