中国农业发展银行肩负着承办农业政策性金融业务的特殊使命。她不仅是金融体制改革的重大成果,也是金融体制改革与经济体制改革相适应的具体举措。她必将为我国农业经济长期稳定发展产生重大而深远的影响。但是,由于农发行成立的时间还不长,尤其是在目前暂没设基层机构的条件下,农业政策性开发贷款的风险责任还没有得到真正地具体落实。如何管好用好这笔政策性信贷资金,如何在取得良好社会效益、经济效益和生态效益的同时,实现农业政策性开发贷款的良性循环,保证其流动性、安全性,是一个不容忽视的重大而严肃的问题。笔者想就这个问题谈些个人看法,以期引起更多人的关注。目前,农发行的农业政策性开发贷款(以下简称开发性贷款)主要包括中央扶贫开发贷款、农业综合开发贷款、林业贷款、农林水基本建设贷款和农林水技术改造贷款五个种类。由于上述五种开发贷款包括的产业多、涉及面广、用途各不相同、使用周期较长,具体到项目的数量就更多了,有的甚至要发放到农户。因此,我认为明确贷款风险责任问题,应当从实际出发,以开发性贷款的性质、特点、要求及现行的操作方式为根据,实事求是地界定贷款管理责任,以确保贷款风险责 China Agricultural Development Bank shoulders the special mission of undertaking agricultural policy-oriented financial services. She is not only a major achievement of the reform of the financial system, but also a concrete measure suited to the reform of the financial system and economic system. She is bound to have a profound and far-reaching impact on the long-term stable development of China’s agricultural economy. However, due to the fact that the Agricultural Development Bank has not been established for a long time, especially under the condition that there is no establishment of grassroots organizations at present, the risk responsibility of agricultural policy-oriented development loans has not been truly implemented. How to manage and make good use of this policy-oriented credit fund? How to achieve a virtuous cycle of agricultural policy-based development loans while ensuring good social, economic and ecological benefits, and ensuring its liquidity and safety? This should not be overlooked. Major and serious issues. I would like to talk about some personal views on this issue, with a view to arouse more people’s attention. At present, the Agricultural Development Bank of China Agricultural Development Loans (hereinafter referred to as the development of loans) mainly include the central poverty alleviation and development loans, comprehensive agricultural development loans, forestry loans, agriculture and forestry water infrastructure loans and forestry, forestry and water technology transformation loans five categories. As the above five kinds of development loans include many industries, involving a wide range of uses, different uses and long service life, the number of specific projects is even greater, and some of them are even distributed to farmers. Therefore, in my opinion, the issue of responsibility for the loan risk should be based on the actual conditions, on the basis of the nature, characteristics and requirements of the development loan and the current operation mode, to define the loan management responsibility in a realistic manner so as to ensure the loan risk