最近,十堰市政府印发了《关于进一步放开搞活国有中小企业若干意见》,提出了以民营化为基本取向,进一步放开搞活国有中小企业36条意见。这一文件的出台,使企业改制客观环境发生了巨大变化,给十堰市农行信贷资产风险防范提出了挑战。企业改制时期,逃废银行债务的成因是多种多样的,因此,农行更要认清形势,变被动为主动,克难勇进,抓住机遇,积极参与企业改制,上下配合,采取新的策略加强不良信贷资产风险防范。为此,我们对十堰市农行资产经营部起步营运的现状、存在的问题进行调查,并提出在企业改制时期不良信贷资产风险防范的措施。一、十堰市农行资产经营部的营运现状按照省分行分帐经营的有关要求,十堰市农行在上级行 Recently, the Shiyan City Government issued a number of opinions on further opening up and invigorating the state-owned small and medium-sized enterprises (SMEs), putting forward the idea of ​​privatization as the basic orientation and further opening up and revitalizing 36 state-owned medium and small-sized enterprises. The introduction of this document, the objective environment for enterprise restructuring has undergone tremendous changes in the Bank of Shiyan Agricultural Bank of credit risk prevention put forward challenges. During the period of enterprise restructuring, the causes of debt evasion in banks are various and diverse. Therefore, ABC should also recognize the situation more clearly, change from passive to active, overcome hardships and opportunities, actively participate in the restructuring of enterprises, cooperate with each other and adopt new Strategy to strengthen the risk prevention of bad credit assets. To this end, we investigated the current situation and existing problems of the initial operation of ABC Asset Management Department of Shiyan City and proposed measures to prevent the risk of bad credit assets during the period of enterprise restructuring. First, Shiyan City Agricultural Bank of assets operating status of the operation in accordance with provincial branches operating under the relevant requirements of divisions, Shiyan City Agricultural Bank in the superior line