农业政策性贷款与其他商业银行贷款一样具有相同的金融属性即偿还性。因此,政策性银行贷款的运行,在强调其政策性的同时,也应遵循银行资金运营的基本规律,加强贷款管理,提高贷款质量,防范贷款风险,以保证信贷资金的安全性和效益性,促进政策性银行的健康发展。(一)树立效益观念,增强风险意识。农发行必须克服以政策性掩盖银行性的问题,应高度重视贷款的安全,增强风险防范意识,树立风险防范观念。要充分认识到银行资产质量偏低、 Agricultural policy loans have the same financial attributes as repayments of other commercial bank loans. Therefore, the operation of policy bank loans, while emphasizing its policy nature, should also follow the basic rules of bank capital operation, strengthen loan management, improve loan quality and prevent loan risks so as to ensure the safety and efficiency of credit funds, Promote the healthy development of policy banks. (A) establish the concept of effectiveness, enhance risk awareness. The agricultural development bank must overcome the problem of covering banks in a policy manner. It should attach great importance to the safety of loans, enhance the awareness of risk prevention and establish a risk prevention concept. We must fully recognize that the quality of bank assets is low,