The government's anti-corruption policy on grain and oil enterprises has affected the operation of enterprises, which has made it difficult to repay loans on time and increased the risk of bank loan default. Policy loans are highly dependent on grain and oil enterprises. In order to meet the capital needs of grain and oil enterprises, banks usually give certain concessions in terms of loan term and interest rate. However, the implementation of the anti-corruption policy may lead to financial constraints, difficulties in production and operation, and it is difficult for enterprises to repay as agreed. If a large number of enterprises default, banks may face risks such as loan default, reduced income and decreased asset quality. Grain and oil system refers to the system that the state supervises and manages the production, storage, processing, transportation and sales of grain and oil. Grain and oil system refers to the system that the state supervises and manages the production, storage, processing, transportation and sales of grain and oil.