If saving system is a point of departure,loaning credit system will be deep and perfect,then the credit exchange mechanism will be its higher state.

Internal movement track of the saving credit mechanism,the loaning credit mechanism and the exchanging credit mechanism in the credit bank will advance and develop gradually along technique route of credit obtaining-credit saving-credit loaning-credit affirming-credit exchanging.

The current of subdivision of five class loan classification in domestic banks appeared recently,and the basis of bank credit management has been greatly changed,so it has got general concern.

The paper is intended to show the gap in loan classification between Chinese banking industry and their foreign counterparts through a comparative analysis and suggest ways to improve.

An Analysis of the Government s Role of Credit Allocation and its Transform in Late-Developing Countries;