近几年,农村信用社通过认真贯彻执行金融方 针政策,不断完善规章制度,加强信贷规范 化管理,加大违规违纪人员查处力度,使信用社资产质量得以提升,风险防化工作取得较好成效。但在信贷管理中依然存在一些难点问题,严重制约着资产质量的进一步提高。为此,笔者着重对清收跨县市经营户贷款问题作一剖析,以期探索一条解决贷款清收难的可行途径。 In recent years, RCCs earnestly implemented the financial guidelines and policies, continuously improved the rules and regulations, strengthened credit standardization management, intensified investigations and prosecutions of violators and violators, improved the asset quality of credit cooperatives and achieved better results in risk prevention and control work. However, there are still some difficult problems in credit management, which seriously restrict the further improvement of asset quality. To this end, the author focuses on the analysis of the problem of clearing the loans of business households across the counties and cities, with a view to exploring a feasible way to solve the difficulties of the recovery of loans.