粮棉购销市场化改革是我国社会主义市场经济发展的客观要求和必然趋势。也是促进农业产业结构调整、应对入世挑战的重要举措。近年来,国家逐步加大推进粮棉购销市场化改革的力度。从去年秋季开始,棉花购销市场和东部沿海粮食主销区省份粮食购销市场已全面放开。可以预见。主产区粮食购销市场也将逐步放开。粮棉购销市场化环境下农发行收购资金封闭管理的政策环境、管理方式、手段和要求等均发生了和正在发生着深刻变化.信贷风险日益加剧。构建粮棉购销市场化环境下信贷风险防范机制,努力控制信贷风险,保障农业政策性金融资产安全,是当前农发行工作的重要课题和紧迫任务。构建 The market-oriented reform of grain and cotton marketing is an objective requirement and an inevitable trend in the development of China’s socialist market economy. It is also an important measure to promote the readjustment of the structure of agricultural industry and to meet the challenge of entering the WTO. In recent years, the state has gradually stepped up its efforts to promote the market-based reform of grain and cotton purchasing and marketing. Since the autumn of last year, the cotton purchase and marketing market and the grain purchasing and marketing provinces in the major coastal grain sales areas across the country have been fully liberalized. foreseeable. Main grain production and marketing market will also be gradually liberalized. The policy environment, management methods, means and requirements for the closed management of acquisition funds of ADBC ​​under the market of grain and cotton purchasing and marketing have undergone and are undergoing profound changes, and the credit risk is aggravating day by day. It is an important issue and an urgent task for the current work of ADBC ​​to establish a credit risk prevention mechanism under the market-oriented environment of grain and cotton marketing and to control credit risks and ensure the security of agricultural policy-oriented financial assets. Construct