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按照风险原则规范贷款分类,是防范和化解金融风险,加强和改善贷款质量监管的一项重大措施,中国人民银行为此制定了《贷款风险分类指导原则》。农业发展银行作为政策性银行,也将逐步推开,但在实施中,如何把握分类的普遍原则与政策性特征的关系,制定与政策性贷款相适应的分类原则、分类标准及操作程序,是当前开展这项工作迫切需要解决的重要课题。本文就此作一粗略探讨。农业政策性贷款风险的基本特征农业发展银行政策性贷款与一般商业贷款相比,呈现出明显的政策性特征,在资金来源渠道,贷款投放方式,信贷管理机制,风险形成因素,风险补偿政策等方面都有其独特的方面,要研究农业政策性贷款风险分类,就必须首先认真研究风险形成的基本特征。
The classification of loans according to the principle of risk is a major measure to prevent and resolve financial risks and strengthen and improve the supervision of loan quality. The PBC has formulated the “Guiding Principles for Risk Classification of Loans” for this purpose. As a policy bank, the Agricultural Development Bank will also be gradually opened up. However, in the course of implementation, how to grasp the relationship between the general principles of classification and the policy characteristics and formulate the classification principles, classification standards and operational procedures that are suitable for policy loans? The important issue that needs to be solved urgently to carry out this work at present. This article made a rough discussion of this. Basic characteristics of agricultural policy-based loan risk Compared with the general commercial loan, the policy-based loan of Agricultural Development Bank shows obvious policy characteristics. In terms of the source of funding, loan delivery methods, credit management mechanism, risk factors and risk compensation policies Aspects of its unique aspects, to study the agricultural policy-oriented risk classification of loans, we must first seriously study the basic characteristics of risk formation.