Agriculture Development bank of China (ADBC), one of the three state-owned policy bank of China, is an important part of Chinese financial system.

中国农业发展银行是我国国有三家政策性银行之一，是我国金融体系的重要组成部分。

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However, the issues of bad loans and loan risk management that has been harassing ADBC for quite a long period present a "bottleneck" for the formation of modern bank system for ADBC.

但长期以来一直困扰农业发展银行的不良贷款以及贷款风险管理问题，在打造农业发展银行现代银行制度中形成“瓶颈”制约。

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