In 2005, the China Banking Regulatory Commission also implemented classified assessments to differentiate supervision. The specific ideas are as follows: Non-performing loans

State-owned commercial banks and other joint-stock commercial banks with commercial conditions should better monitor and evaluate the new non-performing loans after the share-trading reform. It can reach the level of better international banks and also deal with the specific analysis and research of newly established non-performing loans. At the same time, it is necessary to improve the corporate governance structure as the center, improve the internal management mechanism, and strictly manage credit. Joint-stock commercial banks are relatively small in scale and should pay special attention to group customers, as well as related loans and risk management. For commercial banks and credit unions with poor working conditions and heavy historical burdens, credit asset management should be strengthened, management loopholes should be plugged, and the quality of credit assets should be improved.