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农发行信贷风险产生有其深层根源。因此,防范和化解信贷风险必须进行综合治理。1.增强贷款风险意识,建立健全信贷风险管理制度。贷款质量是农发行生存和发展的关键,而贷款质量的优劣主要取决于贷款风险的管理水平。因此,农发行全员职工要进一步增强贷款风险意识,把实现政策性信贷资金的安全运行放在首要位置。同时,制定《信贷风险管理办法》、《贷款质量等级管理制度》等,将信贷风险管理纳入规范化、制度化、法制化的轨道,做到有章可循、有制可依、违章必究,强化信贷行为制约。2.建立以降低贷款风险为核心的信贷管理机制。一是建立贷款责任制度,规范贷款决策程序。贷款管理实行行长负责制,并明确岗位职责,落实法人授权制
Agricultural credit risk generation has its roots in deep. Therefore, preventing and resolving credit risks must be comprehensively controlled. 1. Enhance the risk awareness of loans and establish and improve a credit risk management system. The quality of loans is the key to the survival and development of ADBC, and the quality of loans mainly depends on the management level of loan risks. Therefore, all staff and workers of the Agricultural Development Bank should further enhance the awareness of loan risks and give top priority to the safe operation of policy-oriented credit funds. At the same time, the Bank formulated the Measures for the Administration of Credit Risk and the Management System for Loan Quality Levels, bringing credit risk management into the orbit of standardization, institutionalization and legalization so as to be rule-based and system-based, Strengthen credit control. 2. Establish a credit management mechanism with the core of reducing loan risk. First, establish a loan liability system, standardize the loan decision-making process. Loan management implement the president responsibility system, and clear job responsibilities, the implementation of corporate authorization system