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信贷风险管理是银行风险管理的核心,贷款审批机制建立是信贷风险防范的重要环节。随着粮棉流通体制的市场化改革,农发行商业性贷款的比重在不断增加。如何借鉴国内外活跃银行的先进管理理念和方法,对于建立和健全农发行的信贷审批机制具有重要意义。
Credit risk management is the core of bank risk management. The establishment of loan approval mechanism is an important part of credit risk prevention. With the market-based reform of grain and cotton circulation system, the proportion of commercial loans of Agricultural Development Bank is continuously increasing. How to use the advanced management concepts and methods of active banks at home and abroad for reference is of great significance for establishing and perfecting the credit approval mechanism of the Agricultural Development Bank.