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Agricultural Policy Credit Risk Management Problems and Countermeasures

Author: LvLi
Tutor: TangHao
School: Xiangtan University
Course: Public Administration
Keywords: Agricultural Policy credit Credit Risk Management Counter measures
CLC: F832.43
Type: Master's thesis
Year: 2013
Downloads: 26
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Abstract

China Agricultural Development Bank of China in the establishment of the socialistmarket economic system early, in order to strengthen China’s "three rural" to support theestablishment of the backdrop. In the early stages of building a market economy, how toeffectively guard against credit risk Agricultural Policy, Agricultural Development Bankof China to achieve sustainable development, we need to think more deeply and moreintelligent grasp. China Agricultural Development Bank of the establishment anddevelopment, reflecting China’s "three rural" development funds for the policy objectiveneeds, it’s healthy, stable, persistent management, will be directly related to thedevelopment of modern agriculture and the effectiveness of new socialist countrysideconstruction, is also the realization of China’s agriculture and an important guarantee forsustainable rural development.We must first correct understanding of China Agricultural Development Bank ofpositioning functions. China Agricultural Development Bank as a policy bank, its primarymission is to serve as the state’s macro-control tools for agricultural policy, to compensatefor market-oriented reform process in the phenomenon of market failure. Therefore, ChinaAgricultural Development Bank must always implement the national agricultural policiesput in work first, through the use of credit instruments of agricultural policy, andultimately the national agricultural policy objectives and intentions. However, many ofthese policies was the formation of credit risk, the Agricultural Development Bank toChina has brought great credit funds security risks. At present, China AgriculturalDevelopment Bank Agricultural Policy was the rise of credit risk business trends, how toeffectively prevent and resolve Agricultural Policy Credit risk is the current ChinaAgricultural Development Bank’s focus, in particular, the critical period of its functionsconvert to prevent and reduce agricultural credit risk policy is particularly important.As we all know, policy banks as a special kind of government financial institutions,in both its policy at the same time, the objective existence of the external marketenvironment, it also requires that it should be like a normal commercial banks, will beprofitable in the operation and management of important position, namely ChinaAgricultural Development Bank must strictly follow the universal law of commercialbanks, will prevent credit risks, focusing on performance efficiency, standardizemanagement and other contents as a focus of the work. Therefore, in order to achieve sustainable business development, Agricultural Development Bank of China shouldadhere to the premise of agriculture policy, in accordance with the principles ofmarket-oriented management, to become truly autonomous, self-financing an independentlegal entity. Must clearly recognize that, although not simply to maximize profits for thebusiness philosophy, but it should strengthen the credit liquidity, safety and effectiveness,if not properly prevent and resolve agricultural policy risk of credit funds, will lead thecountry agricultural decline in the quality of credit assets, non-performing loans increased,which is bound to hinder the ongoing national agricultural policy implementation, andultimately threaten China’s "three rural" healthy and rapid development. Therefore, ChinaAgricultural Development Bank of the agricultural policy should be strictly credit fundsprevent and mitigate the risk of long-term business objectives.Therefore, this article will be on agricultural policy on the nature and causes of thecredit risk to be an objective analysis of agricultural policy from the four forms of creditrisk to start, that is, for policy risk, operational risk, market risk and operational risk startdiscussion, pointed out that the agricultural policy of the causes of the credit risk is mainlythe lack of strict management of credit funds, credit business loan approval is not strictlyenforced separation system, the credit business loan management system deficiencies andother factors. And Guangdong Province Agricultural Policy Credit risk preventionmanagement and supervision experience, for example, described in recent years, ChinaBanking Regulatory Commission, Guangdong Province, under the supervision of the EAA,China Agricultural Development Bank, Guangdong Branch through the strengthening ofcredit risk prevention study, the implementation of customer credit rating managementsystem, strict implementation of effective asset-backed and actively participate inagricultural enterprises restructuring and other work in the agricultural policy ofpreventing and eliminating credit risk has achieved initial results, for governmentregulators in the future how to more effectively supervise and guide national policy banksin the establishment of a sound management system and prevent credit risks firmlyestablish the concept of such areas have a certain significance. Finally, I believe that forStrengthening Agricultural Policy Credit risk government regulation, governmentregulators should focus on sound policy on agricultural credit risk regulatory legal system,information disclosure mechanism, in particular to further build and improve on-site andoff-site regulatory mechanism.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit > Agricultural credit
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