农村信用社系统普遍存在的不良贷款比例居高不下,是困扰信用社发展的重要因素,直接导致信用社资产流动性差,抗风险能力下降,社会信誉降低。正视农村信用社资产质量现状,探索化解不良贷款的有效途径,关系到信用社的生存和可持续性发展。形成信用社不良贷款的原因农村信用社不良贷款形成的原因大致是规范企业市场行为导致部分企业无力还贷、企业信用观念淡薄以及金融执法不力和信用社信贷管理体制不完善及自身失误等原因造成。随着国家产业政策的调整, The high proportion of NPLs prevailing in rural credit cooperatives system is an important factor that plagued the development of credit cooperatives, leading directly to the poor liquidity of credit cooperatives, the decline of anti-risk ability and the reduction of social reputation. Faced with the status quo of rural credit cooperatives asset quality, to explore effective ways to resolve non-performing loans, related to the survival and sustainable development of credit cooperatives. The reasons for the formation of non-performing loans for rural credit cooperatives The reasons for the formation of non-performing loans for rural credit cooperatives are generally caused by the inability of some enterprises to repay loans, weak corporate credit concepts, poor financial enforcement and the credit management system of credit cooperatives, and their own mistakes . With the adjustment of national industrial policy,