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随着社会主义市场经济的不断发展,农业发展银行信贷资金承贷主体经营风险日益扩大,农业发展银行信贷资金风险也相应增加。因此,防范和化解信贷资金风险,是农业发展银行面临的一项十分紧迫的重要任务。本文试图对农发行信贷资金风险的特点、难点进行分析,从而对构建农业发展银行信贷资金风险管理机制展开一些探讨。一、农业发展银行是承担政策性业务的特殊金融企业,除了与商业银行相同的经营风险外,还有其不同的特殊性1、先天性风险。农业发展银行成立时,其资产业务全
With the continuous development of the socialist market economy, the risk of credit risk borne by the Agricultural Development Bank is gradually widening, and the credit risk of the Agricultural Development Bank is also correspondingly increased. Therefore, preventing and resolving the risk of credit funds is a very urgent and important task for the Agricultural Development Bank. This article attempts to analyze the characteristics and difficulties of the credit risk of ADBC, and then discusses some issues about how to establish the credit risk management mechanism of ADBC. First, the Agricultural Development Bank is a special financial enterprise that undertakes the policy-based business. Apart from the same business risks as the commercial banks, the Agricultural Development Bank has its own unique characteristics. 1. Congenital risks. When the Agricultural Development Bank was established, its asset business was complete