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今年,我国粮棉流通体制市场化改革步伐加快,棉花收购市场和浙江等主销区粮食市场完全放开,粮食主产区保护价收购范围逐步缩小。这既为我行改善经营状况提供了机遇,也对信贷风险管理提出了新的考验和挑战。本文拟就粮棉购销市场化改革带来的信贷风险及其防范措施,谈些个人看法。一、粮棉购销市场化改革引发的信贷风险粮棉购销市场化改革,改变了粮棉流通格局以及企业的经营环境和经营行为,
This year, the pace of market-oriented reform of China’s grain and cotton circulation system has been accelerated. The cotton purchase market and the grain markets in the main sales areas such as Zhejiang have been completely liberalized. The scope for the acquisition of the protection price in the major grain-producing areas has been gradually reduced. This not only provided an opportunity for the Bank to improve its operation, but also put forward new challenges and challenges to credit risk management. This article is about the credit risk brought by the market reform of grain and cotton purchasing and marketing and its precautionary measures, to talk about some personal opinions. I. Credit Risk Caused by the Market-oriented Reform of Grain and Cotton Purchases and Marketing The market-oriented reform of grain and cotton purchasing and marketing has changed the pattern of grain and cotton circulation as well as the business environment and business operations of the enterprises.