农业供应链融资中商业银行风险管控评估研究  

Research on Risk Management and Control of Commercial Banks in Agricultural Supply Chain Financing

作　　者：陈伟 何浠萌 Chen Wei;He Ximeng(Heilongjiang Provincial Hospital,Harbin Heilongjiang150028;Harbin University of Commerce,Harbin Heilongjiang 150028)

机构地区：[1]黑龙江江省医院,黑龙江哈尔滨150028 [2]哈尔滨商业大学,黑龙江哈尔滨150028

出　　处：《对外经贸》2025年第4期99-104,共6页FOREIGN ECONOMIC RELATIONS & TRADE

摘　　要：国内各大商业银行陆续通过开展农业供应链融资业务来缓解农业融资瓶颈,与此同时的潜在风险也不应忽视。从农业供应链融资的风险成因入手,针对市场风险、操作风险以及信用风险提出风险管控对策,构建信用评级及评价指标体系,有利于推进农业供应链业务的发展,增加商业银行的盈利。通过对商业银行农业供应链融资业务的风险管控研究,有利于提高了农业供应链融资服务的可持续性,致力于促进我国农业金融的发展。Domestic major commercial banks have successively launched agricultural supply chain financing services to alleviate the bottleneck of agricultural financing,while the potential risks should not be ignored.This article starts with the causes of risks in agricultural supply chain financing,proposes risk management and control countermeasures for market risks,operational risks,and credit risks,and constructs a credit rating and evaluation index system.This is conducive to promoting the development of agricultural supply chain services and increasing the profits of commercial banks.Research on the risk management and control of agricultural supply chain financing services of commercial banks is beneficial for improving the sustainability of agricultural supply chain financing services and is committed to promoting the development of agricultural finance in China.

关 键 词：农业供应链融资 商业银行 信用评价体系 风险控制 

分 类 号：F274[经济管理—企业管理] F324[经济管理—国民经济]