贷款分类应遵循的原则有（）。
A.真实性原则 B.及时性原则
C.重要性原则 D.审慎性原则
E.系统性原则

2023-05-25

参考答案：ABCD

。《贷款风险分类指引》第四条的规定，贷款分类应遵循以下原则： ①真实性原则。分类应真实客观地反映贷款的风险状况。②及时性原则。应及时、动态地根据借款人经营管理等状况的变化调整分类结果。③重要性原则。对影响贷款分类的诸多因素，要根据本指引第五条的核心定义确定关键因素进行评估和分类。④审慎性原则。对难以准确判断借款人还款能力的贷款，应适度下调其分类等级。

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