随着我国粮棉流通体制改革和金融体制改革的不断深化,农发行面临的信贷风险日趋复杂化、动态化,风险管理的难度不断增加。据对一些基层行信贷业务操作风险的调查显示,基层行在业务操作过程中存在着一些问题,操作风险比较突出。如贷款操作不够规范,贷款“三查”制度执行不到位,超权限审 With the reform of the system of grain and cotton circulation in our country and the deepening of the financial system reform, the credit risk faced by ADBC ​​has become more and more complicated, dynamic and the risk management has been increasingly difficult. According to a survey conducted by some grassroots banks on the operational risk of credit businesses, grassroots banks have some problems in business operations and their operational risks are prominent. If the loan operation is not standardized enough, the implementation of the “three check” system of loans will not be put in place and the super authority will limit the trial