摘 要
政策性金融是市场条件下体现政策导向、弥补市场不足的重要手段。随着中国市场经
济的不断发展完善以及国家支持农业、惠农富农政策的不断深化，作为我国直属国务院领
导的、唯一的农业政策性银行—中国农业发展银行，承担国家规定的农业政策性金融业务，
代理财政支农资金的拨付，为农业和农村经济发展服务。随着农村金融体制改革和粮棉流
通体制改革的不断深化，农发行运行机制、贷款管理制度和操作流程已不能适应市场化条
件下业务管理和风险防范的要求。研究棉花价格波动情况下我国农业政策性银行风险控制
问题，对充分发挥农发行的支农职能、解决“三农”问题具有重要的现实意义

本文在阐释我国农业政策性银行在棉花价格波动的情况下,其风险的概念、类型、特
征的基础上,分析了我国农业政策性银行信贷风险的成因、风险管理存在的问题,说明防范
与化解信贷风险的必要性。通过总结国内外一些银行风险管理的成功经验并予以借鉴。最
后,针对分析结果,提出了完善政策性信贷资金管理机制、提高风险识别水平、加强信贷队
伍建设等防范与化解信贷风险的有效措施与对策,旨在为农业政策性银行在棉花价格波动
情况下的全面信贷风险管理提供理论支持

本文拟在从棉花价格波动分析及农业政策性银行风险研究的基础上，结合工作实际，
分析在棉花价格波动下，农业政策性银行如何做好风险管理。采取的研究方法以定性分析
为主，结合工作实际、数据分析、查阅文献等方法，以便从中归纳出新的结论

关键词：棉花价格;政策性银行;风险
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Abstract
The policy finance is an important means to manifests the policy guidance and make up for
the lack of market under the condition of the market.With the continuous development of China's
market economy and the deepening of the state supports the policy of agriculture, farmers and
the rich peasants, the Chinese Agricultural Development Bank, our country directly under the
leadership of the state council, the only agricultural policy bank ,assume the provisions of the
state of agricultural policy financial business agent and the appropriation of the financial funds
for supporting agriculture, service for agriculture and rural economic development. With the
deepening of rural financial system reform and the circulation system reform, operation
mechanism, the loan of ADBC management system and operating procedures has not adapted to
the business management and risk prevention under the condition of market demand.The study
of our country agricultural policy bank risk control problems under the cotton price fluctuations,
to give full play to the bank to support functions, solve the problem of agriculture, rural areas
and farmers has important practical significance.
The interpretation of China's agricultural policy bank,under the cotton price fluctuations,
based on the risk of the concept, types, characteristics, analyzes the cause of our country
agricultural policy bank credit risk, risk management problems, and illustrates the necessity of
guard against and dissolve the credit risk.Through summarizing the successful experience of
some Banks' risk management at home and abroad and using for reference. Finally, according to
the results of the analysis, the author put forward the way to the perfect policy credit funds
management mechanism, improve risk identification level, strengthening credit construction
prevention and effective measures to resolve the credit risk and Countermeasure of agricultural
policy bank, aim to provide theoretical support under the condition of the cotton price
fluctuations of comprehensive credit risk management.
This article, based on the cotton price fluctuations of agricultural policy bank risk analysis
and research, combined with the work reality, analyzes howthe agricultural policy bankdo a good
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job in risk management. It takes the research methods is given priority to with qualitative
analysis, combined the actual work, data analysis, the methods of literature, so as to generalize
the new conclusion.
Key words: the cotton price；the policy bank ；the risk