A Research On Risk Management Of The Infrastructure Construction Loan For The Agricultural Development Bank Of China In Hainan Province

Since 2004,the "Issues of agriculture,farmer and rural area" has always been the theme of the central number one file.So as a policy bank,the ADBC(Agricul tural Development Bank of China)has the responsibility to provide high risk rural infrastructure loans that the market is unable to supply.While in the process of bu siness transformation,ADBC should obey the operational goals to evade uncontrolla ble risks.Therefore in order to balance the policy goals and the operational objecti ves,ADBC need an appropriate mechanism for its own risk management.Under the condition of no cases to follow,the ADBC in Hainan Province prac tice on rural infrastructure loans while exploring risk management plan for policy d irected loans,upholding the idea of "touch stone across the river".Although a com plete risk management mechanism has not been established,by introducing commer cial bank loan management methods,ADBC in Hainan Province has preliminary for med a basic structure.In order to establish an appropriate loan risk management m echanism,previous research results as well as practical experience are referred to.T hrough analyzing the present situation of the ADBC in Hainan Province,series of problems to solve are obtained,and 11 items of countermeasures are put forward.Aimed at optimizing the risk management system,improving risk management abilit y and handling the problems that exist during reform,three aspects of recommendat ions are concluded:Firstly,in order to improve risk management system the bank of Hainan Province should "Increase the elasticity of loan risk management process","Adjust loan admittance conditions" and "Introduce risk management incentives";Secondly,post-loan risk management ability can be strengthened through applying "Differentiation training of employees","Systemic risk measure experience","Cultivat e loans risk early warning team","Risk control level up " and "External risk comp ensation";Thirdly,in order to coordinate the loan business transformation,the bank of Hainan Province should "Strengthen the province branch of communication and coordination with the local government","Building a tripartite cooperation PPP mod e" and "Implementing separate accounting of diversified management"...