51、农村信用社在根据分类标准充分分析借款人第一还款来源的基础上,应结合担保分析结果进行相应调整,介于相邻档次之间的贷款原则上
应归入高一级档次,例如次级和关注之间应归入关注。( × )
52、借款企业有虚假验资、抽逃资本金或资本金未按约定到位情况的,分类结果下调一级。(√ )
53、如果企业还款的来源只是投资活动和筹资活动产生的现金,并且明显不足,贷款可能为可疑类,情况严重的划为损失类。( √ )
54、对于行政机关单位贷款,能履行还本付息的,至少划为关注贷款,不履行还本付息的,至少划为次级贷款。(√ )
55、符号人民银行(银发〈2000〉303号)〈〈不良贷款认定暂行办法〉〉所规定的条件办理的借新还旧贷款,至少划为关注贷款。为清收贷款
本息、保全资产等目的发放的“借新还旧”贷款,至少划入次级贷款。(√ )
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