20 0 3年年初 ,河南省南阳市农村信用联社全辖贷款余额为 98 1亿元 ,其中不良贷款为 58 4亿元 ,占比高达59 59%。面对如此严峻的形势 ,市联社制定了“贷款分账、管理分类、优化增量、盘活存量、提高质量”的指导思想 ,将全辖贷款按正常和不良两大块进行分类管理。经过一年多的? At the beginning of 2003, the total loans of rural credit unions in Nanyang City, Henan Province, totaled 981 billion yuan, of which non-performing loans were 58.4 billion yuan, accounting for 59 59%. Faced with such a severe situation, the Associated Press has formulated the guiding ideology of “dividing loans, managing categories, optimizing increment, activating stocks, and improving quality”, and classified the management of loans under normal and adverse conditions as a whole. After more than a year?