银行是经营风险的,没有风险就没有银行,尤其在市场经济条件下,信贷风险已经成为银行风险的主要方面。强化信贷风险管理,刻不容缓。农发行作为农业政策性银行,按照建立现代银行制度、提高银行核心竞争力和强化内部监督管理等要求,在实行全面风险管理上狠下功夫,已经取得了巨大成绩。从硬件方面来说,初步建立了全面风险管理的组织 Banks are risk-free, and banks have no risk. Especially in the market economy, credit risk has become a major aspect of bank risk. Strengthen credit risk management, without delay. As an agricultural policy bank, Agricultural Development Bank has made great achievements in implementing comprehensive risk management in accordance with the requirements of establishing a modern banking system, enhancing its core competitiveness and strengthening internal supervision and management. From the hardware side, the initial establishment of a comprehensive risk management organization