目前,农发行在贷前、贷中已经普遍采用CR2006、CM2006、会计综合业务系统等现代银行工具开展信用评级、统一授信以及财务数据的采集、分析和流程控制管理。但总的来看,农发行贷后风险管理的水平还比较落后,先进的风险计量与管理方法运用较少。顺应国际银行业风险管理的发展趋势, At present, ABC has widely used modern banking tools such as CR2006, CM2006 and the integrated accounting system for credit rating, unified credit granting, and the collection, analysis and process control of financial data before lending. However, in general, the level of risk management after the Agricultural Development Bank loans is still relatively backward, and advanced risk measurement and management methods are rarely used. Conform to the development trend of international banking risk management,