1. Information collection: Commercial banks should collect basic information such as financial status, operating status and repayment records of non-natural person customers, as well as specific information such as loan purposes, repayment sources and guarantee status.

2. Preliminary judgment: According to the collected information, commercial banks make a preliminary judgment on the loan risk, and classify loans into five categories: normal, concerned, secondary, suspicious and loss.

3. In-depth analysis: Commercial banks need to conduct in-depth analysis of the following loans, including the analysis of various factors in the process of loan issuance and recovery, as well as the specific situation of loans.

4. Risk classification: On the basis of in-depth analysis, commercial banks classify loans into different risk categories according to the risk degree of loans, including five levels: normal, concerned, secondary, suspicious and loss.

5. Approval and decision-making: The senior management of commercial banks makes decisions on the approval and decision-making of loans according to the risk classification results of loans and other relevant information.

6. Risk monitoring: Commercial banks should continuously monitor the loans that have been issued, find and control risks in time, and prevent default.