近年来，农村信用社为降低不良贷款，提高信贷资产质量，虽花费九牛二虎之力，年复一年、一次又一次地采取多种手段或组织较大规模的清收活动，但终因重治标、轻治本，没有真真正正掐住不良贷款的源头，往往是前清后增，收效甚微。针对这种问题，其主要原因是人员整体素质不高 In recent years, in order to reduce non-performing loans and improve the quality of credit assets, RCCs have spent many diligently and repeatedly trying to organize large-scale collection activities year after year. However, As a result of remediation of the symptoms and abstinence, the source of nonperforming loans is not really grabbed, which is often increased by the previous Qing and increased with little effect. In response to this problem, the main reason is the overall quality of personnel is not high