农业政策性银行贷款风险评估现状研究

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中图分类号：F83 文献标志码：A 文章编号：2096-9902(2026)03-0048-04

Abstract:Asacorepolicy-basedfinancialinstitutionservingthenationalfodsecurityandruralrevitalizationstrategies, AgriculturalPolicyBanks(representedbytheAgriculturalDevelopmentBankofChina,ADBC)havecontinuouslyexpandedtheir creditbusinesscale.However,thehidenriskthatthegrowthrateofnon-performingloans(NPLs)outpacesthatoftotalloans hasgraduallyemergedreflectingtheweaklinksitherloanisasesentsystminpractice.Basdontheusiesspractice ofADBC(ereinafterreferredtoas"ADBC"),thispapersystematicallysortsoutthecurentsituationofloanriskssessentin Agricultural PolicyBanksfromfourdimensions:creditmanagementstructure，existingriskasessmentmethodsandindicator systems，coreexistingproblemsandtheircauses.Itclarifiestheshortcomingsofthecurrentsysteminriskidentification, quantitativesuport，dynamicearlywarningandotheraspects，andputsforwardoptimizationdirectionsandprospetscombined withtheevelopmenttrendoftheindustry.TheresearchcanprovidepracticalreferenceforAgriculturalPolicyBankstoimprove theirriskasessmentmechanismsandbalancepolicyfunctionswithriskpreventionandcontrol,andalsooferinsightsforisk management of agriculture-related financial institutions.

Keywords:AgriculturalPolicyBank；loanriskasessment；creditmanagement;riskindicator;AgriculturalDevelopmentBank of China (ADBC)

农业政策性银行是国家实施农业农村宏观调控的重要工具，其信贷业务直接对接粮食收储、乡村建设、农业产业化等战略领域。（剩余7276字）