The Study Of The Risk Of Agricultural Policy Bank Under The Cotton Price Fluctuations

The policy finance is an important means to manifests the policy guidance and make up forthe lack of market under the condition of the market.With the continuous development of China’smarket economy and the deepening of the state supports the policy of agriculture, farmers andthe rich peasants, the Chinese Agricultural Development Bank, our country directly under theleadership of the state council, the only agricultural policy bank,assume the provisions of thestate of agricultural policy financial business agent and the appropriation of the financial fundsfor supporting agriculture, service for agriculture and rural economic development. With thedeepening of rural financial system reform and the circulation system reform, operationmechanism, the loan of ADBC management system and operating procedures has not adapted tothe business management and risk prevention under the condition of market demand.The studyof our country agricultural policy bank risk control problems under the cotton price fluctuations,to give full play to the bank to support functions, solve the problem of "agriculture, rural areasand farmers" has important practical significance.The interpretation of China’s agricultural policy bank,under the cotton price fluctuations,based on the risk of the concept, types, characteristics, analyzes the cause of our countryagricultural policy bank credit risk, risk management problems, and illustrates the necessity ofguard against and dissolve the credit risk.Through summarizing the successful experience ofsome Banks’ risk management at home and abroad and using for reference. Finally, according tothe results of the analysis, the author put forward the way to the perfect policy credit fundsmanagement mechanism, improve risk identification level, strengthening credit constructionprevention and effective measures to resolve the credit risk and Countermeasure of agriculturalpolicy bank, aim to provide theoretical support under the condition of the cotton pricefluctuations of comprehensive credit risk management.This article, based on the cotton price fluctuations of agricultural policy bank risk analysisand research, combined with the work reality, analyzes howthe agricultural policy bankdo a good job in risk management. It takes the research methods is given priority to with qualitativeanalysis, combined the actual work, data analysis, the methods of literature, so as to generalizethe new conclusion.