Research On The Risk Prevention For Commissariat Credit Business Of The Baicheng City Branch Of The Agricultural Development Bank Of China

In recent years, there are many unsteady factors in both international anddomestic economic situations, rising grain prices and downward pressure exist sideby side, agricultural products are easily affected by international markets, in addition,the enterprises which open their accounts in The Agricultural Development Bank ofChina Baicheng Branch have production and management difficulties, and someenterprises participate in the folk debit, these increase the risk of credit. In nearly twoyears, the risk loans apeared frequently, the balance of NPLs also has increased in theBaicheng Branch, bringing enormous pressure to reform and development. Aiming atthe situation of credit risk prevention, we should seriously study the cause of thecredit risk based on the circumvention of credit risk, and resolve the existing NPLs assoon as possible. Meanwhile, we should perform commissariat credit businessactivly.At last, Policy finance can play a part in subsidizing “three agriculture”.Thathas already become an important and urgent subject for Baicheng Branch.This paper sets the5risk loans of the Baicheng Branch as an example, statingwith the major4manifestations of risk loans, insists on a combination of theory andpractice, analyzes the subjective and objective reasons for the generation of risk loans,puts forward current measures to guard against credit risk, resolve NPLs, prevent thenew risk loans, improve the utilization efficiency of credit funds. That has a certainsignificance for Baicheng Branch to achieve sustainable development.