农业银行的信贷风险管理,先后经历了“指标管理”、“期限管理”、“信用等级管理”、“风险度管理”、“授信管理”等不同阶段。授信管理,基本概括了前期几种不同风险管理模式的优点,突出了对客户综合评价、风险总量控制、区别对待的原则。与之相配套的信贷经营管理制度信贷新规则则更加注重对信贷决策过程的程序制约,通过审贷部门分离和主责任人制度强化了审慎决策和对道德风险的控制。然 Credit risk management of Agricultural Bank of China has gone through different stages such as “Index Management”, “Term Management”, “Credit Rating Management”, “Risk Management” and “Credit Management”. Credit management basically summarizes the advantages of several different modes of risk management in the previous periods, and highlights the principle of comprehensive evaluation of customers, total risk control and differential treatment. The new rules of credit management and management system, which are more in line with the credit control rules, place greater emphasis on procedural constraints on the credit decision-making process and strengthen prudential decision-making and moral hazard control through the separation of the auditing department and the principal-responsibility system. Of course