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一、粮油收购贷款的风险成因贷款的风险,通常是指银行在贷款运作和管理活动中,因受各种不确定因素的影响,而使信贷资金蒙受损失的机会或可能。粮油收购贷款是对经营粮油这种特定商品的特殊政策性贷款,其风险除上述一般贷款风险外,还存在因其政策性属性而产生的不同于一般贷款的特有风险。(一)质量形态上有现实风险,更有潜在风险。不良贷款占各项贷款总额的比重是衡量银行信贷资产质量的主要标志。福建省在信贷资产清理中反映出三个突出的问题:一是粮油收
First, the risk of acquisition of grain and oil loans due to the risk of loans, usually refers to the bank operations and management activities in the loan, due to various uncertainties, the credit funds suffered the loss of opportunities or possibilities. The grain and oil purchase loan is a special policy loan for the operation of this particular commodity such as grain and oil. In addition to the above general loan risk, there are risks peculiar to general loans arising from its policy attributes. (A) there is a real risk of quality patterns, more potential risks. The proportion of non-performing loans in the total loans is the main measure of the quality of bank credit assets. Fujian Province, in the liquidation of credit assets reflect the three outstanding issues: First, grain and oil revenue