在市场经济当中,企业是第一性的,银行是第二性的,银行经营受贷款投放对象的制约。农发行与开户企业是一种特殊的银企关系,主要表现在客户的指定性,贷款投放的政策性,信贷资产的高风险性。我国市场化进程最慢的就是粮食流通体制,因此农发行的信贷风险最终取决于粮食流通体制改革 In the market economy, the enterprise is the primary one, the bank is the second one, and the bank operation is subject to the loan object. Agricultural development and account opening enterprises are a kind of special relationship between banks and enterprises, which are mainly manifested in the designation of customers, the policy of loans, and the high risk of credit assets. The slowest marketization process in our country is the grain circulation system, so the credit risk of the Agricultural Development Bank ultimately depends on the reform of the grain circulation system