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当前,防范与化解不良贷款已成为摆在我国众多金融机构面前的一个突出问题,探究其原因,除了经济不景气对企业经营影响的客观因素外,无论是从理念、机制到管理等等,银行业都有值得反思和改进之处。本文结合农发行实际,就如何进行信贷业务风险防范提出一些对策与建议。一、牢固树立风险防范理念和思想,打好风险防范根本基础理念是思想的基础,思想是行动的先导。农发行作为政策性银行,具有政策的特殊性和银行的一般性两个特点。农发行是
At present, preventing and resolving non-performing loans has become a prominent issue placed in front of many financial institutions in our country to explore the reasons. Apart from the objective factors that affect the business operations caused by the economic downturn, whether from concept or mechanism to management, There is something worth reflecting and improving. Based on the actual situation of the Agricultural Development Bank, this paper puts forward some countermeasures and suggestions on how to prevent the credit business risks. First, firmly establish risk prevention concepts and ideas, and lay a good foundation for risk prevention The basic concepts are the basis for thinking and thinking is the precursor of action. Agricultural Bank of China as a policy bank, with the particularity of the policy and the bank’s two general characteristics. Agricultural Development Bank is