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随着粮食流通体制改革和企业改制的不断深入,农发行存量贷款风险日渐显现,增量贷款风险日益突出。本文结合宁夏的实际情况,对当前农发行信贷管理面临的突出风险及应采取的防范措施谈点意见。一、当前信贷管理面临的突出风险及成因1.粮食陈化、超期储存严重,销售后补贴不落实,农发行无库存占用贷款增加,存量贷款风险加大。目前,我区粮食库存中,尚有1.35亿公斤陈化
With the reform of the grain circulation system and the deepening of enterprise restructuring, the risk of the stock loans of ADBC has become increasingly apparent, and the risks of incremental loans have become increasingly prominent. In this paper, the actual situation in Ningxia, the current credit risk management of ADB facing the risks and should take preventive measures to talk about. I. Outstanding Risks and Causes of Credit Management 1. Grain aging, serious overdue storage and post-sale subsidies are not implemented. Non-stocking loans of Agricultural Development Bank increased and the risk of stock loans increased. At present, there are still 135 million kilograms of grain in our grain stocks