农发行贷款质量的好坏不仅是本行经营成败与兴衰的关键,也是影响财政支出及中央银行基础货币投放的重要因素,事关国民经济的大局。由于农发行采取信用放款的方式,且收息主要来源由中央、地方等多级财政和非财政承担,在目前粮食市场低迷、顺价销售不畅、地方财力不足、企业经营乏力的情况下,注定给农发行信贷资产带来风险。因此,农发行的信贷工作从某种意义上说,就是正 The quality of the loan of the Agricultural Development Bank is not only the key to the success, failure and rise of the Bank, but also an important factor that affects the fiscal expenditure and the base currency of the Central Bank, which is related to the overall situation of the national economy. Since ADBC ​​adopted a credit lending approach and the main sources of interest receipts are multi-level financial and non-financial commitments from the central government and local governments, under the current slump in the grain market, sluggish sales at favorable prices, insufficient local financial resources and weak management of enterprises, Risk to agricultural credit assets. Therefore, the credit work of the Agricultural Development Bank in a sense, it is positive