The core of loan classification includes the necessity of loan repayment. Loan classification means that banks queue the loan categories of enterprises according to the status and business scope of industrial and commercial enterprises in the field of production and circulation and the requirements of credit policies and principles. Specifically, it is divided into three categories: one type of industrial and commercial enterprises has good economic benefits; Second-class industrial and commercial enterprises have average economic benefits; Three types of industrial and commercial enterprises have poor economic benefits.

The first type of main economic indicators are the advanced level of the same industry in provinces (autonomous regions and municipalities directly under the Central Government); Reasonable liquidity and quick turnover; Actively replenish its own liquidity as required; Abide by the credit settlement system and repay the loan on schedule; Excellent enterprise in bank credit evaluation. In principle, loans from such enterprises will be given priority support.

The second main economic indicator is the middle level of the same industry in provinces (autonomous regions and municipalities directly under the Central Government); There are some problems in the occupation of working capital, and the turnover is slow; Replenish its own liquidity as required; Abide by the credit and settlement system and have a good credit status.

The three main economic indicators are lower than the average level of the same industry in the province; The liquidity structure is unreasonable, the turnover is slow, and the proportion of its own liquidity is low and it is not actively supplemented; The loan cannot be repaid on schedule; The credit rating of this bank is very low. Loans from such enterprises should be reduced, new loans should be stopped and old loans should be paid back.