农发行准政策性贷款是自主发放、自担风险的一类贷款,有效规避风险是该类业务稳健发展的重要前提。笔者认为,准政策性贷款风险防范措施选择应在严格执行政策的前提下,根据区域特点、收购量大小、企业实力、经营机制、贷款方式(指统贷统还或分贷分还)、风险 Quasi-policy loans issued by the Agricultural Development Bank are loans of a type issued independently and at their own risk. Effectively avoiding risks is an important precondition for the steady development of such businesses. The author believes that the precautionary policy options should be based on the strict implementation of the policy premise, according to the characteristics of the region, the size of the acquisition, the strength of the enterprise, operating mechanism, the way of loans (refer to the unified loans or sub-loans), the risk