1. Excellent category: refers to the category in which the borrower's industry is in good operating condition and has low risk. Borrowers enjoy lower loan interest rates and better loan conditions in this category.
2. Normal category: refers to the category in which the borrower's industry is operating normally and the risk assessment result is average. The borrower enjoys this kind of general loan interest rate and loan conditions.
3. Concern category: refers to the category in which the borrower's industry is in a fragile operating condition and the risk assessment result is of concern. Such borrowers may need to provide more guarantees, or face higher loan interest rates and stricter loan conditions.