随着粮棉流通体制改革进程加快，粮棉购销市场放开，对收购资金按照“以销定贷、以效定贷”的商业化原则进行管理，政策性资金将逐步退出商品粮棉经营。粮棉收购贷款管理政策和经营环境的变化，使政策性收购形成的贷款风险凸现。为此，结合江西新建县粮棉流通改革及信贷风险现 As the process of reforming the grain and cotton circulation system accelerated, the grain and cotton purchasing and marketing markets were liberalized. The acquisition funds were managed in accordance with the principle of commercialization of “fixing sales and lending by loans and setting loans”, and the policy funds will gradually be withdrawn from the operation of grain and cotton products. Changes in management policies and business environment for the acquisition of grain and cotton loans highlighted the risk of loans arising from policy acquisitions. To this end, combined with Jiangxi Xinjian County grain and cotton circulation reform and credit risk now