农发行作为农业政策性银行,其信贷资产质量的高低、风险的大小直接影响着收购资金封闭运行的实现和国家粮棉流通体制改革政策的贯彻落实。从总体看,当前农发行信贷资产质量不高,特别是潜在风险较大。其中既有政策性因素,也有经营方面因素;既有银行外部因素,也有内部管理因素等等。因此,必须采取多管齐下的办法,防范和化解信贷资产风险。 Agricultural Development Bank, as an agricultural policy bank, has a great influence on the quality of credit assets and the size of the risks, which directly affects the realization of closed operations of acquisition funds and the implementation of the national reform policy on grain and cotton circulation. In general, the quality of credit assets of ADB is not high at present, especially with great potential risks. Including both policy and operational aspects of the factors; both the bank external factors, but also internal management factors and so on. Therefore, we must take a multi-pronged approach to prevent and resolve the risk of credit assets.