信贷风险是由于种种预期不到的因素而造成的银行信贷及其收益损失的可能性。农业政策性银行作为我国金融体系中的重要组成部分,由于它的性质、职能、任务、经营机制等与商业银行不同,所以,它的信贷风险表现形式、成因以及工作中应采取的措施也不同于商业银行。本文就此作些粗浅分析。农业政策性银行信贷风险的表现形式是多种多样的,造成信贷风险的原因也是多方面的。 Credit risk is the risk of bank credit and loss of earnings due to a variety of unexpected factors. As an important part of China’s financial system, agricultural policy banks are different from commercial banks in terms of their nature, functions, tasks and operating mechanisms. Therefore, the forms and causes of credit risk and the measures to be taken in their work are different In commercial banks. This article makes some superficial analysis. There are many forms of credit risk for agricultural policy banks. There are many reasons for the credit risk.