中国银行业与国际银行业贷款分类比较分析

本文的研究目的在于通过对中国银行业与国际银行业贷款分类的比较分析,指出中国银行业贷款分类存在的差距,并提出改进的建议。文章指出目前中国银行业贷款分类技术无论在基本思路、客户细分、行业、规模、区域、国家风险方面,还是统计技术和方法的应用方面都存在较大差距。针对上述差距作者提出了改进的思路和方法,对于中国银行业改进现行的分类技术,缩小与国际同业的差距提供了有价值的参考依据。

A Comparative Analysis of Loan Classification between Chinese and International Banking Industries

The paper is intended to show the gap in loan classification between Chinese banking industry and their foreign counterparts through a comparative analysis and suggest ways to improve. It is demonstrated that Chinese banking industry lags far behind not only in basic principles, customer segmentation, industry, scope, region and state risk, but also in statistical know-how and application. Based on this analysis, suggestions for improvement are made, providing valuable reference for Chinese banking industry to upgrade its current classification technology and narrow the gap with its foreign counterparts.