江泽民总书记在党的十五大政治报告中明确提出,要深化金融体制改革,有效防范和化解金融风险。把防范金融风险写入党代会政治报告,充分说明党中央对这一问题的高度重视,表明了防范、化解金融风险的决心。农业发展银行的信贷资产是国家金融资产的重要组成部分,资金主要来源于国家基础货币。认真研究金融风险防范措施,对于减少国家基础货币投放,保证国家适度从紧的货币政策的实施具有重要的意义。笔者拟从占全省农发行信贷资产的90%的工商信贷资产角度,就如何防范和化解农发行信贷资产风险谈点认识。(一)充分掌握农发行依法经营自主权农业发展银行是按照国家产业政策和区域政策支持、保护农业和农村经济 General Secretary Jiang Zemin clearly stated in the party’s 15th political report that it is necessary to deepen the reform of the financial system and effectively prevent and resolve financial risks. Putting the prevention of financial risks in the political reports of the party congress fully demonstrates that the party Central Committee attaches great importance to this issue and shows its determination in preventing and resolving financial risks. The credit assets of Agricultural Development Bank is an important part of the national financial assets. The funds mainly come from the national base currency. Studying the precautionary measures of financial risks seriously is of great significance to the reduction of the national basic currency and the implementation of a moderately tight national monetary policy. The author intends to from the province’s Agricultural Development Bank credit assets of 90% of the industrial and commercial credit assets point of view on how to prevent and resolve the risk of agricultural development credit assets to talk about understanding. (A) fully grasp the Agricultural Development Bank autonomy in operating according to law Agricultural Development Bank is in accordance with national industrial policy and regional policy support, protection of agriculture and rural economy