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政策性银行工商贷款作为农发行的主体业务,为保护农民利益,促进农业和农村经济的发展作出了积极的贡献,但各种确定、不确定的风险因素给工商贷款带来的潜在风险和现实损失,严重制约了政策性银行职能作用的发挥。因此,笔者将对政策性工商贷款风险防范与化解谈一点看法。工商贷款风险防范与化解体系是一个系统工程,它主要包括:风险预警体系、风险控制体系、风险补偿体系、风险化解体系。(一)风险预警控制主体,从众多现象搜集并识别影响工商贷款风险的因素,通过定性和定量(建立模型)方式,判断风险影响工商贷款质量
As the main business of ADBC, policy-making commercial and industrial loans made a positive contribution to the interests of farmers and the development of agriculture and rural economy. However, the potential risks and realities caused by various deterministic and uncertain risk factors to business loans Loss, seriously restricting the function of the policy bank play. Therefore, I will talk about the prevention and resolution of the policy-based business loan risks. Risk prevention and resolution system for commercial and industrial loans is a systematic project, which mainly includes: risk warning system, risk control system, risk compensation system, risk mitigation system. (1) The main body of risk early warning control collects and identifies the factors that affect the risk of commercial and industrial loans from a large number of phenomena, and determines the quality of the commercial and industrial loans through qualitative and quantitative means (modeling)