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去年是新疆哈密地区农业发展银行机构分设、业务实现基本自营的第一年,地区分行按照上级行有关文件精神,在行领导的精心组织和安排下,通过计划信贷等部门工作人员的共同努力,先后两次对全辖信贷资产进行了清理普查。从信贷资产清理情况看,基层行信贷资产质量普遍偏低,资产潜在风险度较高。因此,如何正确认识政策性金融的风险状况,加强风险管理和防范,是农业发展银行实行稳健经营的关键。1.在全面清理信贷资产的基础上,必须加强和完善库贷挂钩管理办法,确保粮棉油政策性收购资金封闭运行。根据清理信贷资产的结果,一方面要重新核实认定1996年粮棉油库贷挂钩管理
Last year was the first year in which branches of Agricultural Development Bank of Hami in Xinjiang were established and the business was basically self-employed. In accordance with the spirit of the relevant documents of the superior bank, the regional branches worked through the joint efforts of staff of the department such as credit planning under the careful organization and arrangement of the leaders, , Has twice the credit assets under the jurisdiction of the liquidation survey. Looking at the liquidation of credit assets, the quality of credit assets of grassroots banks is generally low, and the potential risks of assets are high. Therefore, how to correctly understand the risk status of policy-based finance and strengthen risk management and prevention are the keys to the sound development of Agricultural Development Bank. 1. On the basis of a full liquidation of credit assets, it is necessary to strengthen and improve the management of linking deposits with loans so as to ensure the close operation of the grain, cotton and oil-related policy acquisition funds. According to the results of the liquidation of credit assets, on the one hand, it is necessary to re-verify the accreditation of 1996 grain and cotton oil depots pegged management