随着粮食购销市场化改革不断深化,农发行粮油信贷管理工作面临的形势日趋复杂,维护银行信贷资产安全的任务十分艰巨。如何打好防范和化解粮油信贷风险这场战役,是当前迫切需要研究的一个课题。本文就此提出如下浅见:一、集中使用粮食风险基金,打好化解存量风险“攻坚战”从目前粮油信贷资产状况看,企业原保护价老库存和财务挂账及不合理占用贷款尚未得到彻底处理,粮改以来的风险代价正在逐步显现出来。在当前粮改过渡时期,促使地方政府出台优惠政策或筹 With the market-oriented reform of grain purchasing and marketing deepening, the situation facing the credit management of grain and oil in the Agricultural Development Bank has become increasingly complicated. The task of safeguarding the credit assets of banks is arduous. How to lay the battle to prevent and resolve the grain and oil credit risks is an issue that urgently needs to be studied. This paper put forward the following hints: First, focus on the use of food risk funds, lay the defensive stock risk “battle” Judging from the current status of grain and oil credit assets, the company’s original protection price of the old inventory and financial loans and unreasonable occupation of loans has not been fully processed, grain The risk of change since the reform is gradually revealed. In the current transitional period of food reform, prompting local governments to introduce preferential policies or chips