6.小额贷款公司贷款五级分类实施细则（6. small loan company loan classification five implementation rules）.docVIP

6.小额贷款公司贷款五级分类实施细则（6. small loan company loan classification five implementation rules） Rules for the implementation of the five level classification of small loan company loans Chapter I General Provisions Article 1 in order to improve the management level of the companys credit and enhance the ability of early warning of risks, it is necessary to guard against and defuse the credit risks The guidelines for risk classification ([2001]416) and regulations on small loan companies are formulated Then. These second rules apply to all risks classification of the companys loans. The third loan risk classification (hereinafter referred to as risk classification) refers to the degree of risk, the company loans are divided into different Grade process. Through risk classification, the following objectives should be achieved: (1) to promote the establishment of prudent management and risk oriented management concepts; (two) reveal the actual value and degree of risk of loans, and reflect the quality of loans in a real, comprehensive and dynamic way; (three) timely discovery of loans, management, monitoring, collection and problems in the management of non-performing loans, to improve the economy Battalion management level; (four) provide basis for fully extracting loan loss reserve, and enhance anti risk capability. The fourth risk classification should adhere to the principles of risk, truthfulness, prudence, flexibility and dynamic management. (I) risk principle. Five classification should be based on the inherent risk of loans, overdue situation is only as an important Reference factors. Intrinsic risk refers to potential, already occurring but not yet realized risk. (two) the principle of truth. The borrowers financial position, operating results, cash flow and credit record shall be the main basis According to the classification of the quality of all types of loans, the actual situation reflects the risk of loans. (three) prudence principle. In accordance with the loan