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关于商业银行贷款风险分类说法正确的是（ ）。
多选

关于商业银行贷款风险分类说法正确的是（ ）。

A 按照贷款风险程度的不同，贷款实行五级分类，其中后两类为不良贷款
B 次级贷款的特征是借款人无法足额偿还贷款本息，即使执行担保，也要造成较大损失
C 尽管借款人目前有能力偿还贷款本息，但存在一些可能对偿还产生不利影响的因素，符合此特征的贷款应归为关注类贷款
D 可疑贷款属于不良贷款

正确答案
CD
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