论新时期农业发展银行贷款风险管理

On Agricultural Development Bank of China Loan Risk Management in the New Period

农业发展银行是全国惟一面向“三农”的国有政策性银行,在建设社会主义新农村中将充分体现政策性信贷职能。但长期以来一直困扰农业发展银行的不良贷款以及贷款风险管理问题,在打造农业发展银行现代银行制度中形成“瓶颈”制约。文章拟根据基层分行的实际,就农业发展银行不良贷款的成因、体现及贷款风险管理的措施作粗略探讨。

Agricultural Development Bank of China （ADBC） is the only state-owned policy-related bank oriented to three rural issues （agriculture, countryside, farmer） in China and will fully exert its function of policy-related credit loans during the construction of new socialist countryside. However, the issues of bad loans and loan risk management that has been harassing ADBC for quite a long period present a ＂bottleneck＂ for the formation of modern bank system for ADBC. This paper intends to make a brief analysis on the causes and indications of bad loans and loan risk management measures for ADBC based on the actual situations of ADBC＇s grass-root branches.