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作为承担粮油收购资金封闭管理的农发行,在向特殊的贷款对象—粮食购销企业投放贷款时,主要采用的是信用贷款。这种“信用贷款”的方式,由于受地域、宏观政策、市场等诸多因素的影响,必然增加政策性信贷资金的风险度,特别是在当前库存粮食质次价高、销售市场长期低迷、粮食补贴到位难的情况下,其信贷风险程度也就随之加大。因此,如何采取有效措施及时加以防范,确保信贷资产的
As the agricultural development bank that is responsible for the closed management of grain and oil acquisition funds, it mainly uses credit loans when lending to a special loan object - grain purchase and sales enterprises. This kind of “credit loan” will inevitably increase the risk of policy-related credit funds because of the influence of many factors such as geographical and macro-policies and markets. Especially in the current situation where the quality of the existing stocks is high and the sales market is in a downturn, the grain The subsidy in place is difficult, the credit risk will also increase. Therefore, how to take effective measures in a timely manner to prevent and ensure the credit assets