当前,在深化农信社改革进程中,打造金融生态环境已是加快推进改革与发展步伐的重要阶段,在这一阶段,就农信社自身而言,调整信贷结构,提高资产质量可以说是打造金融生态发展环境的基础,确实,对农信社来说,资产质量是生命,而信贷营销行为的优劣决定其生命力的强弱。早在农信社与农行“脱钩”之初,其信贷营销的定位即已明确--立足地域,服务“三农”。几年来的服务实践证明,“三农”的外延还是比较大的。面对归属于“三农”范畴的服务对象,一些座落在县城(或以下乡镇)的中小企业在商业银 At present, in deepening the reform process of rural credit cooperatives, building a financial ecological environment is an important stage in accelerating the pace of reform and development. At this stage, in respect of RCCs themselves, adjusting credit structure and improving asset quality can be described as It is true that for the RCCs, the quality of assets is life, and the pros and cons of credit marketing determines the strength of its vitality. As early as the RCC and ABC “decoupling” at the beginning of its credit marketing has defined that - based on the region, service “three rural ”. Service practice over the past few years has proved that the extension of “three rural issues” is still relatively large. In the face of the service targets belonging to the “three rural” category, some SMEs located in the county (or townships below)