农发行信贷新业务风险及其对策选择

国家粮棉油管理体制发生重大变革后，中国农业发展银行（以下简称农发行）由国家指定服务于粮棉油收购资金封闭运行的专一政策性银行的信贷管理模式也随之发生调整，主要反映在信贷政策发展方向上，由单一完全运行的全政策性信贷业务向政策性和经营性信贷业务双轨运行方向转变。虽然信贷政策双轨运行给国家大大减轻了财政政策性补贴亏损负担，但同时农发行在自主经营上也相应承担着多种风险。要运用好信贷新政策，使得国家、客户和农发行自身三方充分获利，只有面对现实，选择应对措施，合理规避信贷新业务风险，才是最佳出路。

Risk and Solution on New Credit Business of Agricultural Development Bank of China

Along with the major reform on the state's management system of grain,cotton and edible oil,significant adjustment has been made for Agricultural Development Bank of China(hereinafter the ADBC) on it's credit management model.This model used to be a kind of specific model,authorized by the state,for the purpose of guiding the ADBC as a policy bank to only engage in the closed management of funds for national reserve of grain,cotton and edible oil.The adjustment stressed mainly on the change of the tendency of the credit policy,which can be demonstrated as transferring business scope of the ADBC from policy business to both policy and commercial business.Although this new policy has enormously released the state from making up the losses by expending great financial allowance,it simultaneously put various risks on the ADBC when undertaking self-administered operation.In order to take advantage of the new credit policy in the interests of the state,customers and the ADBC itself,the best way is to face the current situation,choose appropriate solution,and mitigate risks of the new credit business.