《征信业管理条例》对贷款风险分类的影响及其应对

摘要

本文从贷款风险形态、风险分类结果、风险分类信息、分类结果认识等四个方面对叶征信业管理条例曳实施对贷款风险分类的影响进行了阐述，并从合规性、合同条款、征信系统、风险管理等方面提出了改进建议。%The paper expatiates on the influence of Regulation on the Administration of Credit Investigation Industry on the loan risk classification from four aspects of the loan risk forms, risk classification results, risk classification information, classification result knowledge, and puts forward suggestions for improvement from such aspects as compliance, contract terms, credit investigation system and risk management and so on.