入世后，外资银行将大举进入，外资银行进入给农村信用社带来的是更严峻的考验和挑战，农村信用社再不加大力度盘活不良贷款、努力提高信贷资产质量，将面临生存和发展的危机。过去农村信用社虽然也采取依法收贷、依法核销、处置抵押物、投入封闭贷款等盘活措施，但收效不明显 After the accession to the WTO, foreign banks will enter in a big way. The entry of foreign banks into the rural credit cooperatives will bring even more severe challenges and challenges. The rural credit cooperatives will try their best to improve the quality of credit assets and will survive and develop. crisis. In the past, although rural credit cooperatives also took measures such as collecting and lending according to law, write-off according to law, disposing of collaterals and putting closed loans into operation, the effect was not obvious