The details are as follows:

1. Capital adequacy ratio. With reference to the spirit of the Basel Accord, capital is divided into two parts: core capital and auxiliary capital. It is required that the ratio of total capital to total assets reaches 8% by the end of 1992.

2. Asset quality. That is, assets are multiplied by a certain risk weight to obtain weighted risk assets, which are then compared with capital to reflect the risk profile of a financial institution. This ratio is less than 5% as the best, followed by 5% to 15%, then 15% to 30%, 30% to 50% as poor, and greater than 50% as the worst.

3. Management ability. Without quantitative description, it mainly conducts subjective evaluation on the manager's ability, the efficiency of the management system and the law enforcement situation.

4. Profitability. It is measured by the ratio of net income after tax to total assets, and is differentiated according to the size of the assets of financial institutions. For example, for a bank with total assets less than US$100 million, if the ratio exceeds 1.15%, it will be classified as level 1, if the ratio reaches 0.95%, it will be classified as level 2, and if the ratio reaches 0.95%, it will be classified as level 2. 75% is grade 3, less than 0.75% is grade 4, and net loss is grade 5.

5. Liquidity. Mainly observe the ratio of short-term investments, major deposits, loans and leases, variable debt, etc. to total assets.

6. Comprehensive inspection and evaluation. Based on the rating of each of the above items, a comprehensive inspection will be conducted.