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一、当前农业银行贷款风险的主要表现农业银行贷款风险的主要表现:一是农行长期以来承担的生产、生活贷款,出现有不少处于沉淀贷款状态。近几年来虽然有所减少,但还有很大一部分贷款丧失了安全性,流动性和效益性,收回无期。二是国营合作社商业企业转换经营机制后,主要是基层供销社经营困难,特别是贫困地区大部分基层供销社出现资不抵债。拖欠农业贷款。三是乡镇企业的发展普遍靠农业银行贷款支撑经营,这是使农行信贷风险在很大程度上具有隐蔽性。四是关停企业和破产企业贷款难以收回。五是企业生产产品不适销对路,产品销路不
First, the main performance of the current loan risk of Agricultural Bank Agricultural Bank of China loan risk is the main performance: First, ABC has long assumed the production and living loans, there are many in the state of precipitated loans. Although it has been reduced in recent years, a large part of the loans have lost their security, liquidity and profitability and have been withdrawn for an indefinite period. Second, after state-owned cooperative commercial enterprises switched their operating mechanisms, they were mainly operating difficulties at the grassroots level supply and marketing cooperatives. In particular, most grassroots supply and marketing cooperatives in poor areas became insolvent. Agricultural loan arrears. Third, the development of township and village enterprises generally rely on the Agricultural Bank of China loans to support the operation, which is to a large extent, the bank credit risk has been hidden. Fourth, shutting down enterprises and bankruptcy loans are difficult to recover. Fifth, the production of inappropriate products for sale on the road, the product does not sell