农发行开办商业性贷款业务已超过十年,其信贷业务已经逐步形成了政策指令性贷款、政策指导性贷款和商业性贷款三位一体、共同发展的特征。近年来,商业性贷款业务规模呈逐年递增趋势,在基层农发行实现快速发展的同时,与商业性贷款相关的一些问题逐渐显现,潜在的风险不容忽视,需引起关注。问题表现贷后管理仍不尽完善。农发行三大类业务中,政策指令性贷款和政策指导性贷款由于 The Agricultural Development Bank has been in the commercial credit business for more than 10 years. Its credit business has gradually formed the three-in-one and common development features of policy-oriented loans, policy-oriented loans and commercial loans. In recent years, the scale of commercial loan business has been increasing year by year. While the grassroots agricultural development bank has achieved rapid development, some problems related to commercial loans have gradually emerged. The potential risks can not be ignored and should be paid attention to. Problems Performance Management is still not perfect. Agricultural Development Bank three categories of business, policy directive loans and policy guidance loans due