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从农业发展银行运作发展的过程来看,开发性贷款种类和数额将逐步扩大。为了有效地运用开发贷款,必须研究其政策性风险,加强风险防范,这是一项紧迫的、事关农业发展银行生存发展的问题。本文就此作些探讨。开发性贷款政策性风险的突出表现单纯强调贷款的安全、流动、效益性,项目资金必将流向高效益、低风险、易偿还的地区和项目,将失去成立政策性银行的意义。开发贷款属政策性贷款,首先要符合政策,在政策规定的区域、指定的行业、指定的用途中寻找与效益的结合点。理论上,开发贷款的政策性与贷款资金效益性、偿还性是有机
From the perspective of the operation and development of the Agricultural Development Bank, the types and amounts of development loans will gradually expand. In order to make effective use of development loans, we must study its policy risks and strengthen risk prevention. This is an urgent issue that concerns the survival and development of Agricultural Development Bank. This article makes some discussion. Prominent performance of policy-based loans for development loans Simply emphasizes the safety, liquidity and profitability of loans. The project funds will surely flow to high-efficiency, low-risk and easily-repayable regions and projects and lose the significance of establishing policy banks. Development loans are policy loans, first of all to comply with the policy, in the policy areas, the designated industries, designated purposes and find a combination of benefits. In theory, the development of loan policy and loan capital efficiency, reimbursement is organic