论文部分内容阅读
信贷资产质量低和贷款物质保证率低,企业亏损、严重等,将直接或间接危及到农发行的信贷资产安全,如何切实有效地提高信贷资产质量,遏制不良贷款上升的势头,保全农发行资产,已成为当务之急。农发行是政策性银行,它不同于商业银行,不能通过不良资产剥离来提高信贷资产质量。农发行信贷资产特点为“三个单一、一个强”;即贷款对象单一、贷款种类单一、贷款方式单一、政策性强。这就决定了农发行不可能随意超出粮棉收购、储备、调销业务而搞加工贷款
The quality of credit assets is low and the loan material guarantee rate is low, the loss and seriousness of enterprises will directly or indirectly endanger the credit assets of ADBC. How to effectively improve the quality of credit assets, curb the rising of non-performing loans and preserve the assets of ADB , Has become a top priority. Agricultural Development Bank is a policy bank, which is different from commercial banks, can not be diverted by non-performing assets to improve the quality of credit assets. The features of credit assets of ADB are “three single and one strong”; that is, the loan object is single, the loan type is single, the loan method is single, and the policy is strong. This determines that it is impossible for the ADBC to process loans in excess of grain and cotton acquisition, reserve and sales business