The ( ) (NPL) ratio by the four largest State-owned commercial banks by the national standard of four category classification, dropped 3.81 per cent and 3.95 per cent, respectively, in 2001 and 2002. 按照我国的四级分类法标准，国有四大商业银行的不良贷款的比率在2001年和2002年分别下降了3.81%和3