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一、农业政策性信贷资金的现实风险从目前实际情况看,农业政策性信贷资金现实风险突出表现在以下几个方面:一是粮棉价差风险。主要是敞开收购价格高,一旦粮棉价格波动,造成库存粮棉实际价值变化,对农发行政策性信贷资金造成风险。二是库存商品陈化风险。由于近几年粮食供求失衡、购销脱节、仓储条件差以及轮换制度不完善等因素,导致有相当一部分库存粮食已经超期储存,形成事实上的陈化。库存的超期粮和陈化粮同样使信贷资产质量下降,加大了政策性信贷资产的潜在风险。
First, the actual risk of agricultural policy-based credit funds From the current actual situation, the actual risk of agricultural policy-oriented credit outstanding performance in the following areas: First, the risk of grain and cotton spread. Mainly open the purchase price is high, once the price of grain and cotton fluctuations, resulting in changes in the actual value of stocks of grain and cotton, agricultural credit risk caused by the policy of credit. Second, the risk of inventory of goods aging. Due to the imbalance between the supply and demand of grain, the disjunction of purchase and sale, the poor storage conditions and the imperfect rotation system in recent years, a considerable part of the stocks of stored food have been stored for an extended period, resulting in de facto aging. The overdue staples and Chenyou’s stocks in the stock also reduced the quality of credit assets and increased the potential risks of policy-based credit assets.