农村信用社经过近几年的金融体制改革，已经成为支持农业和农村经济发展的重要组成部分，在农村经济的信贷投入上起到了主导作用。目前，经济欠发达地区信贷管理普遍比较落后，主要表现在：一是信贷管理观念淡薄；二是信贷资产质量不高，不良贷款比重大，清收盘活及收息难度大 After several years of reform of the financial system, rural credit cooperatives have become an important part of supporting the development of agriculture and rural economy, and have played a leading role in the credit input in rural economy. At present, credit management in economically underdeveloped regions is generally lagging behind. The main features are as follows: First, the concept of credit management is weak; second, the quality of credit assets is not high, the proportion of non-performing loans is large, liquidation and liquidation are difficult,