The Interim Measures for Risk Classification of Financial Assets of Commercial Banks (Draft for Comment) mainly includes four aspects. Firstly, the risk classification requirements of financial assets are put forward.

Clarify the definition of five-level classification of financial assets, set the classification standards for retail assets and non-retail assets, and put forward specific requirements for specific situations such as overdue debts, asset impairment, debt evasion, joint punishment, and asset classification involved in enterprise mergers and acquisitions.

The second is to put forward the risk classification requirements of restructured assets. Refine the definition, identification criteria and exit criteria of restructured assets, clarify the classification requirements of restructured assets under different circumstances, and set the observation period of restructured assets.

The third is to strengthen the classified management of bank risks. Commercial banks are required to improve risk classification governance structure, formulate risk classification management system, clarify classification methods, processes and frequencies, develop and improve information systems, and strengthen monitoring and analysis, information disclosure and document management. The fourth is to clarify the requirements for supervision and management. Regulatory agencies regularly assess the risk classification management of commercial banks, and take regulatory measures and administrative penalties against banks that violate the requirements.

Extended data:

The profit channels of banks include loans, bank insurance, sales of wealth management fund products, sales of financial equipment, consumption profit of financial intelligent terminal business, hedging business, bill business and so on.

The profit ratio of most domestic banks is: loan 30%, bank insurance 10%, wealth management fund product sales 10%, financial instrument sales 5%, financial intelligent terminal business consumption 30%, hedging business 5%, bill business 10% and so on.

The profit ratio of foreign banks is: loan 15%, bank insurance 15%, wealth management fund product sales 15%, financial instrument sales 10%, financial intelligent terminal business consumption profit 35%, hedging business 5%, bill business 5% and so on.

Economic net-the strictest bank asset risk classification standard is released! If it is overdue for 90 days, it will prevent bank credit risks.

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