建立和完善棉花信贷资产风险管理体系,加大风险管理力度,有效控制和防范棉花信贷风险,实现棉花收购资金封闭管理,是棉花信贷管理工作的重点。而目前棉花信贷资产质量总的评价是:贷款质量低、结构不合理、潜在风险高、管理难度大。如何对棉花存量资产实施有效的管理,降低棉花贷款的存量风险,优化棉花贷款的结构,是摆在农 Establishing and perfecting the cotton credit asset risk management system, strengthening risk management, effectively controlling and preventing cotton credit risk and realizing the closed management of cotton acquisition funds are the focuses of cotton credit management. At present, the general evaluation of the quality of cotton credit assets is: low quality of loans, irrational structure, high potential risks and difficult management. How to effectively manage the cotton stock assets, reduce the stock risk of cotton loans and optimize the structure of cotton loans are the key issues facing farmers