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. 我國商業銀行通過控制單筆貸款的風險等級實現控制總體貸款組合風險等級目標的方式亦需要在趨於白熱化的競爭中開始變革，以適應不斷變化的外部環境。
Risk ranking is useful when management needs to evaluate both quantitatively-assessed and qualitatively-assessed risks within the same organizational framework. 風險等級有助於在相同的組織結構中評估相同的定量評估和定性評估的風險。
