Commercial banks of our country control loans risk by managing the risk grade of single loan, which need adjusted in order to meet with the fierce competition. 我国商业银行通过控制单笔贷款的风险等级实现控制总体贷款组合风险等级目标的方式亦需要在趋于白热化的竞争中开始变革，以适应不断变化的外部环境。
Risk ranking is useful when management needs to evaluate both quantitatively-assessed and qualitatively-assessed risks within the same organizational framework. 风险等级有助于在相同的组织结构中评估相同的定量评估和定性评估的风险。
