(一)转变思想观念,强化风险意识。农发行增设分支机构、业务由代理变为基本自营后,面临的新情况是机构新、业务新、人员新,因此,要搞好政策性金融业务,首先在思想观念上要实现两个转变和一个强化。一是要由商业性经营向政策性经营转变。农发行的贷款范围界定严格,必须严格执行政策,不超范围,按政策规定管好用好信贷资金。二是由粗放经营向集约化经营转变。收购资金供应和管理方式应从过去重供应轻管理转变到既重供应更重管理的方式上来,实现封闭管理和良性循环。三是要强化贷款风险防范意识。政策性银行贷款管理比商业性银行管理更为复杂,风险性更大二。要高度重视经营风险的防范和化解,确保贷款的安全和效益。(二)落实责任制,完善制约机制。一要建立贷款管理责任制。明确贷款调查评估人、审 (A) change ideas, strengthen risk awareness. After the establishment of branches in the Agricultural Development Bank and the transformation of the business from basic agency to basic self-management, the new situation we face is the new establishment, new businesses and new personnel. Therefore, to do a good job in policy-oriented financial business, we must first realize two changes in our ideological concepts And a fortified. First, from commercial management to policy management change. The scope of loans to agricultural development banks is strictly defined, and the policies must be strictly implemented. They should not overshoot the scope of their loans and manage and make good use of credit funds according to the policies and regulations. Second, from extensive management to intensive management changes. The mode of supply and management of acquisition funds should shift from neglecting the supply of light management to setting up a system of paying more and more management, so as to achieve closed management and a virtuous circle. Third, we must strengthen awareness of loan risk prevention. Policy bank loan management is more complicated and riskier than commercial bank management. We must attach great importance to prevention and mitigation of operational risks and ensure the safety and effectiveness of loans. (B) implement the responsibility system, improve the control mechanism. First, we must establish a loan management responsibility system. Clear loan survey assessors, trial