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随着粮食市场化进程的加快和粮食流通体制改革的不断深化,基层农发行信贷资产风险日益突出,风险防范工作难度越来越大。主要表现在:一是粮食库存监管难。粮食库存数量多、体积大,丈量困难,粮食产品的保管具有特定的环境要求;基层粮食企业一般都比较分散,点多面广,难以有效监管,企业一旦出现卖粮不抄告或者抄告不及时就会使农发行的信贷监管陷于被动。
With the acceleration of the process of marketization of food and the deepening of the reform of the grain circulation system, the risk of credit assets of grass-roots agricultural development banks has become increasingly prominent, making it more and more difficult to prevent risks. Mainly in: First, food inventory supervision difficult. Food stocks are large, large, difficult to measure, and the storage of food products has specific environmental requirements. The grass-roots grain enterprises are generally scattered, with a wide range of points and are difficult to supervise effectively. It will make ADBC’s credit supervision passive.