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防范和化解金融风险不仅是商业银行面临的艰巨任务,而且也是政策性银行面临的重大课题。目前,农发行开发性贷款使用效益差,不良贷款数额大,资金沉淀多,给信贷资产带来了潜在的巨大风险。认真研究开发性贷款风险防范措施,对于确保农业政策性金融安全、高效、稳健运行,促进农业和农村经济发展具有重要意义。一、坚持信贷自主权,严把选项、审项关政策性银行也是银行,要遵循银行经营的一般规律,坚持自主经营,保障信贷资金安全,提高经济效益,降低经营风险。针对当前有些人把政策性信贷资金等同于财政资金的错误认识,以及地方政府和有关部门对政策性贷款过
Preventing and resolving financial risks is not only an arduous task facing commercial banks, but also a major issue for policy banks. At present, the use efficiency of the ADB’s development loans is poor, the amount of non-performing loans is large, and the deposits of funds are large, posing a potentially huge risk to credit assets. To seriously study the risk prevention measures for development loans is of great significance for ensuring the safe, efficient and stable operation of agricultural policy-based finance and for promoting the development of agriculture and rural economy. I. Adhering to Credit Autonomy, Strict Options and Examining Off the Policy Banks are also banks. They should follow the general rules of bank operation, stick to their own operations, ensure the safety of credit funds, enhance economic efficiency and reduce operational risks. In view of the current misunderstanding that some people equate the policy credit funds with the fiscal funds and the policy loans that the local governments and relevant departments have