不良贷款的存在,不仅影响了农村金融机构的资金运转,造成了资产损失,同时影响农村信用环境的构建,制约了社会资源的有效配置。随着不良贷款管理和处置手段的灵活和多样化,将有力地改善农村金融机构的资产质量。本期分别选取了湖南、浙江、甘肃等地不良贷款资产管理和处置案例,以供读者借鉴和思考。 The existence of NPLs not only affects the capital operation of rural financial institutions, resulting in asset losses, but also affects the construction of rural credit environment and restricts the effective allocation of social resources. With the flexibility and diversification of NPL management and disposal methods, the quality of assets of rural financial institutions will be greatly improved. This issue respectively selects the cases of non-performing loan assets management and disposal in Hunan, Zhejiang and Gansu for readers’ reference and reflection.