Research On The Policy-based Medium And Long-term Loan Risk Management Of The Agricultural Development Bank P City Branch

With the in-depth reform of the economic system,China's urbanization process is accelerating,and medium-and long-term projects related to agriculture and rural infrastructure construction have emerged.Because policy medium and long-term projects have the characteristics of large investment scale,long capital recovery period and low profitability,social capital has low participation in such projects,which makes it difficult to finance such projects.ADBC P City Branch(hereinafter referred to as “Agricultural Development P City Branch”)is the only agricultural policy bank in P city.In order to provide high-quality services for the strategy of "rural revitalization",the bank vigorously expands the business scope of supporting agriculture and provides credit fund support for medium and long-term agriculture-related policy-related projects.In recent years,the bank's policy medium and long-term loans have grown substantially,making an important contribution to improving rural living conditions and accelerating urban-rural integration.However,due to the increasing provision of loan risk provision,although the scale of deposits and loans has steadily expanded,the bank's profits have suffered losses,which seriously threatens the sustainability of its operations.With the rapid expansion of policy medium and long-term loans,potential credit risks are accumulating.How to improve the level of credit risk management and prevent and control the emerging policy medium and long-term loan risks have become an urgent problem for the bank.This paper takes P-city branch,as the research object,based on the relevant theories and research results in the field of credit risk management,combined with the characteristics of policy medium and long-term loans,using quantitative and qualitative methods to explain the development of policy medium and long-term loan business,guarantee management,the current status of business process and risk management,and found problems in policy medium and long-term loan policy risk,credit risk,guarantee risk and operational risk management,as well as organizational structure and staffing.Then,conduct interviews with business people to analyze and summarize the causes of the problems.Finally,combined with the actual situation of the P-city branch,it proposes specific loan risk management suggestions for different loan risk types,organizational structure and staffing.Believed that in policy risk management,should innovate cooperation models,promote diversified business development,update risk prevention and control measures,and improve risk prevention and control mechanisms;in credit risk management,should improve the customer credit rating system and promote banking communication;in guarantee risk management,the valuation of collateral items should be optimized and the guarantee management should be strengthened;in operational risk management,should build a full-person risk management culture,improve employee business skills,improve the incentive assessment mechanism,and improve the risk prevention and control capabilities of the credit management system;in terms of organizational structure and staffing,should optimize the credit risk management line organization structure and staffing,create a credit risk management talent pool,and improve the talent introduction and training mechanism.It is hoped that it will promote the improvement of the risk management level of policy-oriented medium and long-term loans in P-city branch and ensure the play of its policy functions.