不良贷款余额大、占比高一直是困挠农信社发展的主要因素之一。近年来,农信社在清收不良贷款中投入了大量的人力、物力、财力,但是收效甚微。不良贷款清收究竟难在何处,笔者认为主要表现在以下五个方面:依法收贷执行难。责任贷款追究难;抵债资产变现难;清收空间拓展难;寻求政策支持难。 The large non-performing loan balance and the high proportion have always been one of the major factors that have caused the development of RCCs. In recent years, RCCs have invested a great deal of manpower, material resources and financial resources in the collection of NPLs, but with little success. NPL recovery is difficult where exactly, I think the main performance in the following five areas: According to the law difficult to implement loan collection and lending. Responsible for the pursuit of loans difficult; repossessed assets become difficult to achieve; difficult to expand space recovery; seeking policy support difficult.