依法收贷,是当前农村信用社降低不良贷款比例的重要手段。但依法收贷存在的问题不容忽视,其主要有:依赖思想严重,收贷手段单一;贷款手续审查不严,起诉效果不佳;行政干预使起诉难;缺乏核算意识,起诉费用开支大;依法清收工作连续性差,遗留问题多。 Collecting and lending according to law is an important means for rural credit cooperatives to reduce the proportion of non-performing loans. However, the problems existing in the collection and loan according to law can not be ignored. The main problems are: dependence on a serious thought, single means of loan collection, lax review of loan procedures, ineffectiveness of prosecution, difficulty in prosecution due to administrative intervention, lack of accounting awareness and large expenses for prosecutions, Poor continuity of collection, leaving many problems.