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。