农信社在支持“三农”、促进县域经济发展中发挥着不可替代的作用。但是,农信社在维护金融债权中面临许多困难,特别是中断诉讼时效难度大、成本高,导致许多贷款丧失诉讼时效,农信社债权得不到有效保护,形成巨大损失。这是因为:一是农信社数量多、贷款违约户多、不良贷款笔数多、总量大。二是农信社贷款额度相对较小,每笔一般不 Rural credit cooperatives play an irreplaceable role in supporting the “three rural issues” and promoting the development of county economy. However, the RCCs face many difficulties in maintaining their financial claims. In particular, it is difficult and costly to suspend the lawsuit, causing many loans to lose the limitation of lawsuits. As a result, the claims of rural credit cooperatives can not be effectively protected, resulting in huge losses. This is because: First, the number of rural credit cooperatives, loan defaults, non-performing loans, the number of large, large. Second, the loan amount of rural credit cooperatives is relatively small, each generally not