摘要
中國農(nóng)業(yè)發(fā)展銀行是國有農(nóng)業(yè)政策性銀行，其主要任務(wù)是：按照國家的法律、法規(guī)和方針、政策，以國家信用為基礎(chǔ)，籌集農(nóng)業(yè)信貸資金，承擔(dān)國家規(guī)定的農(nóng)業(yè)和經(jīng)批準(zhǔn)開辦的涉農(nóng)商業(yè)性金融業(yè)務(wù)，代理財(cái)政性支農(nóng)資金的撥付，為農(nóng)業(yè)和農(nóng)村經(jīng)濟(jì)發(fā)展服務(wù)。
風(fēng)險(xiǎn)是銀行業(yè)的普遍特征。中國農(nóng)業(yè)發(fā)展銀行作為政策性金融的一個(gè)重要組成部分，雖然把政策性目標(biāo)放在首位，但在其經(jīng)營管理過程中，也必須遵循銀行的一般規(guī)律和運(yùn)行機(jī)制，防范和化解風(fēng)險(xiǎn)也是其永恒的主題。而在農(nóng)業(yè)銀行目前的風(fēng)險(xiǎn)結(jié)構(gòu)中，最為突出的仍是信貸風(fēng)險(xiǎn)或貸款信用風(fēng)險(xiǎn)。
文章在闡釋中國農(nóng)業(yè)發(fā)展銀行的研究背景、主要職能，及中國農(nóng)業(yè)發(fā)展銀行信貸風(fēng)險(xiǎn)的概念、類型、特征的基礎(chǔ)上，分析了農(nóng)業(yè)銀行信貸風(fēng)險(xiǎn)的成因，以及農(nóng)業(yè)銀行信貸風(fēng)險(xiǎn)管理的存在問題，說明防范與化解信貸風(fēng)險(xiǎn)的必要性；然后運(yùn)用信用評(píng)級(jí)法對(duì)中國農(nóng)業(yè)發(fā)展銀行的信貸風(fēng)險(xiǎn)進(jìn)行評(píng)估實(shí)證分析；最后，針對(duì)分析結(jié)果，提出了完善政策性信貸資金管理機(jī)制、提高風(fēng)險(xiǎn)識(shí)別水平、加強(qiáng)信貸隊(duì)伍建設(shè)等防范與化解信貸風(fēng)險(xiǎn)的有效措施與對(duì)策，在為農(nóng)業(yè)政策性銀行的全面信貸風(fēng)險(xiǎn)管理提供理論支持。

關(guān)鍵詞：中國農(nóng)業(yè)發(fā)展銀行  信貸風(fēng)險(xiǎn)  風(fēng)險(xiǎn)管理

Abstract
 
 
Agricultural Development Bank of China is a state policy bank for agriculture, its main task is to: in accordance with national laws, regulations and policy, based on the nation credit, raise agricultural credit funds, according to the regulations of the state agricultural and approved open agriculture-related commercial financial services, agency financial funds allocated to agriculture, for the agriculture and rural economic development services.
General characteristics of the risk in banking. Agricultural Development Bank of China as a financial policy is an important component of, although the policy objectives in the first place, but in the process of management, the bank also must follow the general rules and operational mechanisms, guard against and dissolve the risk is also the eternal theme. In the Agricultural Bank current risk structure, the most prominent is the credit risk and credit risk.
Based on the explanation of Agricultural Development Bank of China the research background, main functions, and the China agriculture development bank credit risk concept, types, characteristics, analysis of the Agricultural Bank credit risk, as well as the Agricultural Bank credit risk management problems, said that to prevent and resolve the credit risk of necessity; and then use the credit rating method on Agricultural Development Bank of China 's credit risk assessment empirical analysis; finally, based on the results of the analysis, put forward to perfect the fund of policy sex credit management mechanism, improve risk identification level, to strengthen the credit construction to prevent and resolve the credit risk effective measures and countermeasures, in the agricultural policy bank 's credit risk management to provide a comprehensive theoretical support.

Key words: China Agricultural Development Bank   credit risk   risk management

目  錄
摘要 I
Abstract II

第1章 研究背景及意義 1
第2章 農(nóng)業(yè)銀行信貸風(fēng)險(xiǎn)及其管理概述 3
2.1農(nóng)業(yè)銀行信貸風(fēng)險(xiǎn)的概念 3
2.2農(nóng)業(yè)政策性銀行信貸風(fēng)險(xiǎn)的特征 3
2.3 農(nóng)業(yè)銀行信貸風(fēng)險(xiǎn)管理存在的問題 4
2.3.1 法律法規(guī)相對(duì)缺乏 4
2.3.2 信貸資金來源單一 4
2.3.3風(fēng)險(xiǎn)管理制度不完善 5
2.3.4風(fēng)險(xiǎn)補(bǔ)償機(jī)制滯后 5
第3章 農(nóng)業(yè)銀行信貸風(fēng)險(xiǎn)評(píng)估的實(shí)證分析 6
3.1 選取指標(biāo) 6
3.2 賦予指標(biāo)權(quán)重 7
3.3 設(shè)置核心監(jiān)測指標(biāo)值取值區(qū)間 8
3.4 整理數(shù)據(jù) 9
3.5 農(nóng)業(yè)政策性銀行信貸風(fēng)險(xiǎn)評(píng)價(jià) 9
第4章 農(nóng)業(yè)銀行信貸風(fēng)險(xiǎn)管理對(duì)策 11
4.1 建立健全法規(guī)制度，防范法律缺失的制度風(fēng)險(xiǎn) 11
4.2 加強(qiáng)信貸隊(duì)伍建設(shè)，防范道德風(fēng)險(xiǎn) 11
4.3加強(qiáng)銀行內(nèi)部控制，減少操作風(fēng)險(xiǎn) 12
4.4提高風(fēng)險(xiǎn)識(shí)別水平，建立貸款風(fēng)險(xiǎn)預(yù)警體系 12
4.5 建立有效的風(fēng)險(xiǎn)補(bǔ)償機(jī)制，增強(qiáng)風(fēng)險(xiǎn)抵御能力 13
4.6 拓寬資金來源渠道，提高資產(chǎn)流動(dòng)性與效用性 14

結(jié)束語 15
致  謝 16
參考文獻(xiàn) 17