当前,农发行政策性业务明显减少,商业性业务逐步扩大,各种贷款风险随之相应增加,需要正确处理业务发展与风险防控的关系,在发展中控制风险。笔者认为农发行需要尽快建立四大体系,有效防范和控制各种贷款风险。一、贷款防范控制体系(一)严格操作规程,防控操作风险。要严格按照农发行总行规定的贷款流程进行操作,实施监控管理,确保贷款运作全过程、各环节的程序规范,防止逆程序操作;要按照前后台制约、上下级间制衡的原则,明确贷款操作中各级管理行、各 At present, the policy-oriented businesses of the Agricultural Development Bank have been significantly reduced, commercial businesses have been gradually expanded, and various types of loan risks have increased correspondingly. Therefore, the relationship between business development and risk prevention and control needs to be properly handled and risks controlled in the process of development. The author believes that ADBC ​​needs to establish four systems as soon as possible to effectively prevent and control various loan risks. First, the loan prevention and control system (A) strict operating procedures, prevention and control of operational risk. In strict accordance with the provisions of the Agricultural Development Bank’s loan procedures for the operation, the implementation of monitoring and management to ensure that the entire process of loan operations, all aspects of the program norms, to prevent adverse program operations; according to front and back control, the balance between superiors and disincentives, a clear loan operations Management at all levels, each