一所谓风险,是喻指可能发生的危险和灾祸。古今中外,人类的经济活动大多是在具有风险的环境中进行的。因此在生产、分配、流通、消费等各个环节上,就会有可能发生风险及造成损失。拿粮棉油收购企业来说,从收购、调销、储备等各个环节上,由于受市场调节,每个环节都有产生风险的可能性。比如,当收购的农副产品受到因品质等多种因素制约而不能卖出时,就会产生销售风险;当市场价格低于收购价格不能顺价销售时,就会产生经营风险;当库存商品因保管不善,出现霉烂变质不能实现其价值时,就会产生财务风险;当评估论证不足,盲目投资,乱上项目,造成企业重大损失时,就会产生投资风险。再从银行角度看,按照国务院规定,国有粮棉油收购企业是农发行的主要贷款对象,其收购、调销、储备又是农发 A so-called risk refers to the dangers and scourges that may occur. At all times and in all places, the economic activities of mankind are mostly carried out in a risky environment. Therefore, in the production, distribution, circulation, consumption and other aspects, there may be risks and losses. Take grain and cotton oil acquisition companies, from the acquisition, marketing, reserves and other aspects, due to market regulation, each link has the possibility of risk. For example, when the acquired agricultural and sideline products can not be sold because of quality and other factors, the sales risk will be generated. When the market price is lower than the purchase price, the business risk will be generated when the agricultural products are not sold at the same price. Inadequate investment in a company may result in financial risk when it becomes rotten and degenerate, and financial risk arises when it becomes rotten and degenerate. When there is a lack of assessment and argumentation, blind investment and chaotic operation of the project cause heavy losses to the enterprise, investment risks will arise. Again from the bank point of view, in accordance with the provisions of the State Council, the state-owned grain and cotton oil purchasing business is the main loan object of the Agricultural Development Bank, the acquisition, marketing, reserve and agricultural development