Inner Mongolia, The Risk Of Loans Of Grain Purchase Funds Research

The loan granted by Agricultural Development Bank is special fund for the enterprise which dealing in cereals from the farmer. This sort of loan has accumulated much more risk as a result of history, policy and political reform. The action of dealing in cereals depends on market in more depth as the reform of policy of socialist market economy. The new problem of more risk of loan for cereals dealing has become clearly and it influenced the carrying out the policy of cereals controlling. It also restricted the development of ADB. This article has given us the new method of reducing loan risk, reaction of sediment loan and preventing new risk of loan by means of analysis of the risk condition, character and the reason of risk formation of cereals dealing in Inner Mongolia.The risk of loan for cereals dealing not only has normal character but also has special character. About the reason of its formation, performance and the standard of its diagnosis. Preventing and controlling the loan risk must defer to and service the government policy about cereals dealing and macroscopic market controlling. Preventing and controlling the loan risk is a system engineering. We have to research the policy and risk management. So that we can build up a set of new policy and theory which is suitable to the Inner Mongolia cereals dealing condition and the character of loan for cereals dealing.