The process of risk classification of non-credit assets includes three procedures: initial classification, preliminary examination and identification. The general operation process is as follows:

The initial personnel shall check the accounting subjects, and the accounts, accounts, accounts, accounts and internal and external accounts of various non-credit assets shall be consistent;

Collect and sort out archives, and the initial personnel shall collect and improve confidential information according to the requirements of risk classification, and do a good job in sorting and classifying archives;

Fill in the classification working papers, make a preliminary judgment on risk classification, put forward preliminary classification reasons and preliminary classification opinions, make working papers and Confirmation Form for Risk Classification of Non-credit Assets as required, and submit them to the risk classification working group for preliminary review;

Preliminary opinions and conclusions on filling in the risk classification identification form;

The working group on risk classification of credit cooperatives determines the preliminary results, signs the preliminary examination opinions on the Confirmation Form of Risk Classification of Non-credit Assets, and submits the preliminary examination results and related materials together with the verification report to the centralized management department of credit cooperatives for audit. After the centralized management department of non-credit assets audits, it signs the audit opinions on the Confirmation Form of Risk Classification of Non-credit Assets, and submits them to the Risk Management Committee for confirmation together with relevant materials;

The centralized management department of non-credit assets of the Associated Press will review and feedback the classification adjustment to the risk classification working group, and the risk classification working group will conduct on-site verification on the contents that need to be adjusted one by one;

The Risk Management Committee of the Associated Press passed the examination, signed the classification appraisal opinions on the classification appraisal form, and determined the appraisal results; Determine or adjust the classification results, and register the ledger for the initial personnel.