随着粮食市场化改革加快,江浙等主销区粮食市场已全面放开,为有效防范和化解信贷风险,逐步建立并完善适应农发行政策性特点的信贷资产保全体系,本文结合苏州市去年两季收购贷款发放和管理,拟就市场化改革进程中实施信贷风险管理,谈些个人看法。一、统一思想,转变观念,抓住机遇,全面实施贷款风险管理粮食市场化改革实施,收购资金投放由足额保证供应转变为以销定贷、以效定贷,信贷资金的市场风险和经营风险随之加大,给信贷监管提出新的更高的要求,在坚持封闭管理和风险管理相结合的同时,更要突出风险管理,有效防范和化解信贷风险。为此,一是要统一思想,及时转变观念,调整经营思 With the accelerated reform of the marketization of grain, the grain markets in the major sales areas such as Jiangsu and Zhejiang have been fully liberalized. In order to effectively prevent and resolve credit risks and gradually establish and perfect a credit asset preservation system that meets the policy characteristics of the Agricultural Development Bank, Quarter acquisition loan management and release, the proposed market-oriented reform process of credit risk management, to talk about some personal views. I. Unite thinking, change conception, seize the opportunity, implement the loan risk management in an all-round way Implement the market-oriented reform of the grain market, and transfer the acquired funds from the full guaranteed supply into the market-based fixed-loan and effective loan-to-credit market risk and management With the increase of risks, new and higher requirements for credit supervision are put forward. While insisting on the combination of closed management and risk management, risk management should be highlighted to effectively prevent and mitigate credit risks. To this end, first, we must unify our thinking, change our concepts in time, and adjust our business philosophy