农业政策性信贷资产与其他商业银行信贷资产一样,存在着信用风险和经营风险。此外,还由于其信贷资产投向高度集中,而且主要采用信用放款方式,这种过于单一的信贷资产结构,使得农业发展银行信贷资产处在较高的风险区域上运行,存在着比商业银行高得多的产业特定风险和转移风险。因此,农发行在风险管理与防范方面的任务就显得更为突出和紧迫。农发行浙江省衢州市分行自机构增设以来,紧紧围绕封闭运行,找准政策性信贷资产风险防范的着力点,积极探索建立健全和完善政策性信贷资产风险管理与防范的新路子。一、统一思想,提高认识。一是在全行树立正确的指导思想,使大家充分认识到,只有做好收购资金供应工作与加强资金管理,制止挤占挪用收购资金,搞好封 As with other commercial bank credit assets, agricultural policy credit assets have credit risk and business risk. In addition, due to its high concentration of credit assets and its predominant use of credit lending methods, this over-single credit asset structure makes ADB’s credit assets run in higher risk areas, which is higher than that of commercial banks More industry-specific risks and transfer risks. Therefore, the task of agricultural development bank in risk management and prevention becomes more prominent and urgent. Since the establishment of its branches, Quzhou Branch of the Agricultural Development Bank of China has been focusing on the closed operation and identifying the precautionary points of the policy-based credit assets. It has also actively explored ways to establish and improve a new approach to risk management and prevention of policy-related credit assets. First, unify thinking and raise awareness. First, establish a correct guiding ideology throughout the Bank to make everyone fully aware that only by doing a good job in the acquisition of funds and strengthening fund management, to prevent misappropriation of funds for acquisitions and to improve closure