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随着粮食流通体制改革的进一步深化,粮食购销企业实施兼并、重组、破产、人员分流等措施,使农发行信贷监管任务越来越重,信贷资产风险进一步加大。农发行收购资金供应与管理的政策环境、管理方式、手段和要求等发生了深刻变化,构建防范机制,控制经营风险,保障农业政策性资金安全显得尤为重要和紧迫。本文结合基层行面临的实际情况,就如何建立信贷预警机制、防范信贷风险、确保收购资金安全谈点粗浅认识。
With the further deepening of the reform of the grain circulation system, the grain purchase and sale enterprises implemented such measures as annexation, reorganization, bankruptcy and diversion of personnel to make the credit supervision tasks of ADBC more and more heavy and the risk of credit assets further increased. The policy environment, management methods, means and requirements of the acquisition and supply of funds by the ADBC have undergone profound changes. It is particularly important and urgent to set up a preventive mechanism, control the operational risks and ensure the security of agricultural policy funds. Based on the actual situation faced by the grassroots banks, this article discusses the ways to establish a credit early warning mechanism, guard against credit risks and ensure the safety of acquisition funds.