随着我国经济进入新常态,实体经济将经历一个较长时期的去产能、去库存、去杠杆的过程,其长期积累的风险压力将越来越多地向银行传导,导致信贷资产质量持续下降。作为支持涉农企业的农业政策性银行受影响更加明显,加强实体经济信贷风险防控尤其重要。农发行支持的信贷客户主要有两类:一类是涉农实体经济企业,另一类是地方政府融资平台公司或相关的事业单位。随着我国经济进入新常态,部分民营信贷客户受经济下行、社会融资等因素影响,基层农发行信贷支持的农业实体经济信贷风险频发,不良率持续上升。笔者结合农发行湖南省湘潭市 As our country’s economy enters a new normal, the real economy will go through a longer period of de-capacity, de-stocking and deleveraging. The long-term risk pressure will be more and more communicated to banks, resulting in a continuous decline in the quality of credit assets . As agricultural policy banks that support agriculture-related enterprises are more affected, it is especially important to strengthen prevention and control of credit risk in the real economy. There are mainly two types of credit customers supported by ADBC: one is a real-economy-related enterprise involved in agriculture and the other is a local government financing platform company or related public institution. As China’s economy has entered into a new normal, some private credit customers are subject to economic downturn and social financing. As a result, the credit risk of agricultural entities supported by grassroots agricultural credit issuance is frequent, and the non-performing loan ratio continues to rise. The author combines the Agricultural Development Bank Xiangtan City, Hunan Province