专项业务现已成为农业银行信贷业务的重要组成部分,与常规业务相比,专项业务的工作难度大、经营状况差、贷款风险高等矛盾显得更加突出,并危及着专项贷款资产的安全。防范和化解贷款风险,保全信贷资产已经成为当前农行专项信贷工作的重点、难点和热点。下而笔者结合对黄冈市农行专项信贷资产风险状况的调查,就专项信贷风险的特征、成因和信贷对策进行粗浅的分析和探讨。一、专项信贷资产的内险特征黄冈市农行专项贷款分布在全市12个县、市、区支行,贷款规模是全省的“老大”。截至1999年6月末(下同),专项 Special business has now become an important part of ABC’s credit business. Contrary to the regular business, the special business is difficult to handle, the operating conditions are poor, and the risks of higher loans are more prominent, which jeopardize the safety of special loan assets. Preventing and resolving loan risks and safeguarding credit assets have become the key, difficult and hot issues of the special agricultural credit work nowadays. Under the investigation of the risk status of special agricultural credit assets of Huanggang City, the author makes a brief analysis and discussion on the characteristics, causes and credit countermeasures of special credit risks. First, the characteristics of domestic credit risk of special credit assets Agricultural Bank of China Huanggang special loans are distributed in the city’s 12 counties, cities and districts branch, the loan size is the province’s “boss.” As of the end of June 1999 (the same below), special