随着中国加入WTO和粮食流通体制改革的不断深入,我行信贷风险日益突出,防范和化解信贷风险的任务加重,难度增大。就目前情况来看,我行的信贷风险主要还是外生型风险。因此,我认为农发行信贷风险的防范与化解,既要立足于内部,通过建立健全内控机制,严格规范内部管理,把管理风险降到最低限度,又要紧紧依靠各级政府,积极争取政府和社会各界的支持与配合,认真落实政策,努力防范和化解外生型风险。几年来,云南分行十分注重与政府及计委、财政、粮食企 With China’s accession to the WTO and the deepening of the reform of the grain circulation system, the Bank’s credit risk has become increasingly prominent. The task of preventing and resolving credit risks has become more and more difficult. Judging from the current situation, the Bank’s credit risk is mainly exogenous risk. Therefore, in my opinion, the prevention and resolution of the credit risk of the ADB should not only be based on the inside, but also establish a sound internal control mechanism, strictly regulate the internal management, minimize the management risk and rely on the governments at all levels to actively fight for the government and The support and cooperation from all walks of life, conscientiously implement the policy, and strive to prevent and resolve exogenous risks. Over the past few years, Yunnan branch attaches great importance to the government and the Planning Commission, finance, food enterprises