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供给侧结构性改革的实质性深入或将导致一定时期内银行不良率进一步上升。加强对不良贷款的防范与处置显得尤为重要。防范和控制风险是银行信贷工作永恒的主题,政策性银行也不例外。农发行作为国家政策性银行,必须准确把握新常态下经济特征,正确认识和面对各类风险,通过建立完善的风险管控机制,实现业务稳健可持续发展。一、农发行不良贷款的现状
Substantially in-depth structural reforms on the supply side will lead to a further increase in the bank non-performing ratio for a certain period of time. To strengthen the prevention and treatment of non-performing loans is particularly important. Prevention and control of risks is the eternal theme of bank credit work, policy banks are no exception. As a national policy bank, agricultural development bank must accurately grasp the economic characteristics of the new normal, correctly understand and face various risks, and establish a sound risk management and control mechanism to achieve sound and sustainable business development. First, the status of the Agricultural Development Bank non-performing loans