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农业发展银行的资产主要是农业政策性贷款,这种资产结构,使得农业发展银行几乎没有利用资产多样化原理来抗击银行整体经营风险的能力,因此,单项贷款的风险管理显得尤为重要。作为政策性银行,农发行的贷款风险产生的根源一是银行外部制度,包括粮棉流通体制、收购资金供应政策和财政补贴机制的缺陷;二是银行内部的操作失误。本文主要探讨在现行制度下,农业发展银行如何利用现代风险管理技术来防范和化解由于内部操作因素而产生的贷款风险。农发行贷款风险类型一般银行贷款业务主要面临着信用风险、利率风险、决策风险和舞弊风险。由于我国利率仍未完全市场化,而且央行对农发行的利率实行管制政策,贷款利率不
Agricultural Development Bank’s assets are mainly agricultural policy loans, this asset structure, making the Agricultural Development Bank almost no use of asset diversification principle to combat the bank’s overall business risk management capabilities, therefore, the risk management of individual loans is particularly important. As a policy bank, the root causes of the loan risk of the ADBC are the defects of the external banking system, including the system of grain and cotton circulation, the funding policy of acquisition funds and the financial subsidy mechanism; and the second is the operation mistake within the bank. This paper mainly explores how under the current system, the Agricultural Development Bank to use modern risk management techniques to prevent and resolve due to internal operating factors arising from the loan risk. Types of Agricultural Development Loans Loans General banking loans are mainly exposed to credit risk, interest rate risk, decision risk and fraud risk. As China’s interest rate is still not fully marketized, and the central bank imposes a regulatory policy on the interest rate of agricultural development, the loan interest rate is not