农发行按照“区别对待、有保有压、择优扶持、严控风险”的商业性贷款经营理念,必须尽快建立与之相适应的信贷退出机制,这既是农发行提高信贷资产质量、提升信贷管理层次的内在要求,更是预防和控制信贷风险的必然选择。本文结合基层农发行信贷管理实际,对信贷退出机制的 In line with its business philosophy of “differentiated treatment, guaranteed inflation, optimal support and strict control of risks”, the Agricultural Development Bank must establish a credit withdrawal mechanism as soon as possible, which is both an effective step by the ADBC ​​in raising the quality of credit assets and enhancing credit The inherent requirement of management level is also an inevitable choice for preventing and controlling credit risk. This article combines the actual agricultural credit management at the grass-roots level, the credit withdrawal mechanism