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)批準開辦的涉農(nóng)商業(yè)性金融業(yè)務(wù)，代理財政性支農(nóng)資金的撥付，為農(nóng)業(yè)和農(nóng)村經(jīng)濟發(fā)展服務(wù)。
風(fēng)險是銀行業(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重要組成部分，雖然把政策性目標放在首位，但在其經(jīng)營管理過程中，也必須遵循銀行的一般規(guī)律和運行機制，防范和化解風(fēng)險也是其永恒的主題。而在農(nóng)業(yè)銀行目前的風(fēng)險結(jié)構(gòu)中，最為突出的仍是信貸風(fēng)險或貸款信用風(fēng)險。
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)險的成因，以及農(nóng)業(yè)銀行信貸風(fēng)險管理的存在問題，說明防范與化解信貸風(fēng)險的必要性；然后運用信用評級法對中國農(nóng)業(yè)發(fā)展銀行的信貸風(fēng)險進行評估實證分析；最后，針對分析結(jié)果，提出了完善政策性信貸資金管理機制、提高風(fēng)險識別水平、加強信貸隊伍建設(shè)等防范與化解信貸風(fēng)險的有效措施與對策，在為農(nóng)業(yè)政策性銀行的全面信貸風(fēng)險管理提供理論支持。

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

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)險及其管理概述 3
2.1農(nóng)業(yè)銀行信貸風(fēng)險的概念 3
2.2農(nóng)業(yè)政策性銀行信貸風(fēng)險的特征 3
2.3 農(nóng)業(yè)銀行信貸風(fēng)險管理存在的問題 4
2.3.1 法律法規(guī)相對缺乏 4
2.3.2 信貸資金來源單一 4
2.3.3風(fēng)險管理制度不完善 5
2.3.4風(fēng)險補償機制滯后 5
第3章 農(nóng)業(yè)銀行信貸風(fēng)險評估的實證分析 6
3.1 選取指標 6
3.2 賦予指標權(quán)重 7
3.3 設(shè)置核心監(jiān)測指標值取值區(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)險評價 9
第4章 農(nóng)業(yè)銀行信貸風(fēng)險管理對策 11
4.1 建立健全法規(guī)制度，防范法律缺失的制度風(fēng)險 11
4.2 加強信貸隊伍建設(shè)，防范道德風(fēng)險 11
4.3加強銀行內(nèi)部控制，減少操作風(fēng)險 12
4.4提高風(fēng)險識別水平，建立貸款風(fēng)險預(yù)警體系 12
4.5 建立有效的風(fēng)險補償機制，增強風(fēng)險抵御能力 13
4.6 拓寬資金來源渠道，提高資產(chǎn)流動性與效用性 14

結(jié)束語 15
致  謝 16
參考文獻 17