The credit rating of customers is divided into AAA, AA (AA+, AA, AA-), A (A+, A, A-), BBB, BB, B \x0d\ AAA customers: the production and operation scale of customers has reached economic scale, with strong market competitiveness, good development prospects, high management level, reliable and predictable net cash flow and strong solvency. \x0d\ AA+ customers: customers with strong market competitiveness, good development prospects, high management level, reliable and good net cash flow, strong solvency, value and good reputation for our business development. \x0d\ AA-level customers: customers with strong market competitiveness, good development prospects, high management level, good net cash flow and strong solvency, which are valuable and reputable for our business development. \x0d\ AA customers: customers with strong market competitiveness, good development prospects, high management level, good net cash flow and strong solvency, which are valuable and reputable for the development of our business. \x0d\ A+ customers: customers have strong market competitiveness, good development prospects, high management level, good net cash flow and strong solvency, which are of certain value to the business development of the Bank and have a good reputation. \x0d\ A-level customers: average market competitiveness, average development prospect, average management level, average net cash flow and average solvency, which are of certain value to our business development and average credit standing. \x0d\ A-level customers: average market competitiveness, average development prospect, average management level, slightly tight net cash flow, weak solvency, average reputation and certain risks. \x0d\ BBB customers: poor market competitiveness, poor development prospects, poor management level, tight cash flow, poor solvency, and customers have problems that need attention, which are risky. \x0d\ BB customers: customers have poor market competitiveness, poor financial benefits and management level, weak solvency and high risks. \ x0d \ Class B customers: The customers' market competitiveness, financial benefits and management level are very poor, and their solvency is very weak, with great risks.