随着业务范围的逐步拓展,以及粮棉购销企业改制的进一步推进,农发行商业性贷款业务所占比重不断加大,商业性信贷风险管理已成为信贷管理的核心,不仅影响着信贷资产的质量,而且也关乎到农发行的可持续发展。本文结合工作实际,就商业性贷款风险管理的难点 With the gradual expansion of business scope and further promotion of the restructuring of grain and cotton purchasing and marketing enterprises, commercial credit risk management has become the core of credit management, which not only affects the quality of credit assets , But also related to the sustainable development of the Agricultural Development Bank. This article combines the actual work, the commercial loan risk management difficulties