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针对目前城网和农网（以下简称两网）改造过程中还贷所存在的问题，采用因素－因果分析法分析了影响还贷的各个因素（如经济效益评价指标、还贷资金来源等），讨论了还贷的风险性，同时提出了合理还贷方案的建议。
In view of the problems existing in the repayment of the current urban network and agricultural network (hereinafter referred to as the “two networks”), factor-causal analysis is used to analyze various factors that affect repayment (such as economic performance evaluation indicators, sources of loan repayment funds, etc.) Discussed the risk of loan repayment, and put forward a proposal for a reasonable repayment plan.