Research On Risk Prevention Of Grain Loan For ADBC Of Jilin Province

With the advance of the reform of the purchase and storage system of grain,cotton,oil,cotton and oil,it is necessary to innovate on the original system methods,refine measures,and solve the problem of risk prevention to properly handle the function of agricultural issue grain purchase loan and prevent risks under the new situation.Based on the starting point of agricultural development behavior of policy Banks,this paper makes an in-depth discussion from the perspective of risk prevention.With the development of the bank's business,the bank has set up a risk committee to adapt to the existing risk management framework.In case of major issues,the risk of major issues will be subject to collective and centralized consideration.With the rapid development of the modernization drive,the business of agricultural development is also advancing by leaps and bounds.Based on this,by deep analysis of the bank loan risk prevention grain,it summarizes the existing problems of risk prevention condition,based on combining the present situation of food loans the bank to perfect and improve the risk prevention system,this would be the future policy in the risk management system construction and the risk management tools application level contribute great power,to improve risk management talent team construction,and finally realize the modernization of the comprehensive risk management.In this paper,with the support of the existing relevant research theories,the basic theoretical knowledge of loan risk is correctly applied.Meanwhile,the research results of references and the characteristics of agricultural development bank are referenced to put forward Suggestions on improving the risk prevention of grain loan.The analysis shows that the existing risk prevention problems of agricultural development bank include: weak risk management awareness of employees,single risk management tools,etc.Due to the joint role and influence of these problems,it is clear that agricultural development bank food loan risk prevention needs to be improved.The main reasons for this situation are as follows: firstly,the influence of the imperfect risk management system;Second,the loan process is flawed;Third,credit management measures lag behind;Finally,the post-loan management system is backward.In this paper,combining with the current situation of risk prevention of agricultural issuing food loan,the author puts forward some countermeasures: firstly,improve the risk management system of food loan;Secondly,improve the efficiency of grain loan process;Third,improve the grain loan credit risk prevention and control methods;Finally,optimize the post-loan management system.Through a series of specific and detailed implementation programs,the purpose of preventing the risk of policy-based grain loan is achieved.