论当前农业发展银行信贷风险的成因及防范

农业发展银行是承担国家“农业政策业务”的特殊金融企业,其财产损失风险更具有隐蔽性、复杂性、广泛性。本文在分析农业发展银行信贷风险的政策、体制、管理及市场成因的基础上,提出了建立政策性信贷资金风险补偿机制、信贷资金风险转化机制,完善政策性信贷运行机制、信贷动态监测预警机制等化解信贷风险的防范对策。

Credit Risks in ADBC: Causes and Safeguards

Abstract: As a special financial enterprise undertaking China' s"banking business oriented to the state's agricultural poicy", the Agricultural Development Bank of China (ADBC) is faced with more latent, com-plicated, and extensive risks that are likely to lead to property loss. After analyzing the causes for credit risksin ADBC, some preventive measures are proposed, including the establishment of comensation mechanismfor poicy - related credit funds and risk - transforming mechanism for credit funds, and the improvement ofoperating mechanism for policy - related credit funds and dynamic monitor and early warning mehanism a-gainst credit risks.