[resolution] loan risk classification follows the principle of indivisibility, that is, a loan can only be in one loan form, and option A is wrong; The loan forms are divided into five categories: normal, concerned, secondary, doubtful and loss. The normal loan means that the borrower has been able to repay the principal and interest normally, and there are no unfavorable factors that affect the timely and full repayment of the loan principal and interest, or the borrower's abnormal repayment is caused by accidental factors, and option B is correct. If the borrower can repay the principal and interest, but there are already factors that affect the timely and full repayment of the principal and interest of the loan, it is called paying attention to the loan, and option C is wrong. Non-performing personal housing loans include the last three types of loans in the five-level classification, namely, subprime, doubtful and loss loans. Wrong d option.