如何切实有效地防范农发行信贷资产风险,笔者认为应该从以下方面入手:第一,建立严格的审、贷、查相分离的贷款管理责任制。审、贷、查相分离,可以提高贷款决策的科学性,减少随意性,排除贷款过程中的人为干扰。在具体操作过程中,要关注信贷资产的动态变化,牢牢控制“粮权”变动这一核心。(一)贷前调查。贷前调查这一环节的重点是:严格按照“收多少粮,贷多少款”的原则,按收购进度核发贷款,保证信贷资金的运动与粮、棉、油商品 How to effectively and effectively prevent the risk of credit assets of ADB, I think we should start from the following aspects: First, establish a rigorous trial, loan, check the separation of loan management responsibility system. Trial, loan, check the phase separation, you can improve the scientific decision-making loans, reduce randomness, rule out the loan in the process of human interference. In the specific operation process, we should pay attention to the dynamic changes of credit assets and firmly control the core of the “power of grain” changes. (A) pre-loan investigation. The key points in the pre-loan investigation are as follows: In strict accordance with the principle of “how much food should be levied and how many loans should be levied”, loans should be issued in accordance with the progress of the purchase so as to ensure that the movement of credit funds is in line with grain, cotton and oil products