近两年来,随着粮棉购销体制改革的逐步深入,苏南地区农发行如何进一步适应形势,制定措施,强化信贷风险防范,更好地服务于农业和农村经济,促进社会经济的发展。带着这样的问题,我们对苏南地区粮棉油主销区购销形势和当地农发行如何强化信贷风险防范工作进行了调查分析。一、苏南退出保护价收购两年来粮棉油购销形势近两年来,苏南红小麦、棉花、油料退出保护价收购范围,粮棉油收购价格由政策定价变为市场定价,企业开始走“购得进、销得出、有效益”和“自主经营、自负盈亏、自担风险”的新路子。基层农发行认真贯彻“以销定贷、以效定贷”的信贷原则,在加强封闭管理的同时,较好地防范了信贷风险,银企两方的双赢局面正在形成。主要表现在以下几个方面:一是粮棉 In the past two years, with the gradual deepening of the reform of grain and cotton purchasing and marketing system, how the Agricultural Development Bank in southern Jiangsu further adapt to the situation, formulate measures to strengthen credit risk prevention, better serve the agriculture and rural economy, and promote social and economic development. With such a problem, we conducted a survey and analysis on the purchase and sale of grain and cotton oil sales areas in southern Jiangsu and how to strengthen credit risk prevention by local agricultural development banks. First, the withdrawal of protective price Suning Cotton and cotton over the past two years the purchase and sale situation In the past two years, Sunan red wheat, cotton, oil withdrawal from the protection of the purchase price of grain and cotton oil purchase price from the policy pricing into the market pricing, companies began to “buy Import and export, effective, ”and“ self-employed, self-financing, at your own risk ”new path. The grassroots agricultural development bank conscientiously implemented the credit principle of “fixing loans by selling loans and fixing loans with efficiency”. While strengthening closed management, it is better able to prevent credit risks and a win-win situation for both banks and enterprises is taking shape. Mainly in the following areas: First, grain and cotton