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要提高信贷资产质量 ,防范金融风险 ,农业银行如何依据市场规律建立和健全信贷准入和退出机制是其关键 ,这是因为农业银行不良资产剥离后信贷面临重新定位的需要 ,也是“入世”过渡期深化金融改革的需要 ,然而农业银行信贷准入和退出主要在于决策机制 ,文章就决策机制中重要环节贷款风险度的测定作了深入的探讨。
To improve the quality of credit assets and prevent financial risks, how to establish and improve credit access and exit mechanism in accordance with the laws of the market is the key point for ABC to meet the need of repositioning its credit after the divestiture of non-performing assets of Agricultural Bank and also the transition of accession to WTO However, the credit access and withdrawal of ABC mainly lies in the decision-making mechanism, and the article makes an in-depth discussion on the determination of the risk of important loans in the decision-making mechanism.