近年来,随着农商银行改革的不断深入,其对贷款管理也越来越正规化、严格化,清收盘活不良贷款工作力度不断加大,措施不断升级,责任追究层面不断深入,相继取得了一些成效。但就当前情况来看,不良贷款清收工作进度依然较为缓慢,制约了农商银行的改革和发展。笔者认为盘活不良贷款要做到“五策并举”。一是要分类施策,对症下药。不良贷款形成情况复杂,原因各异,必须认真分析每笔不良贷款形成的成因,抓住症结,对症下药。对赖债户、 In recent years, with the continuous deepening of the reform of RCCs, RCCs have also become more and more standardized and rigorous in lending management. The efforts to liquidate and revitalize non-performing loans have been steadily intensified, the measures have been constantly escalating, and the level of accountability has been deepened in succession Some results. However, as far as the current situation is concerned, progress in the collection of non-performing loans is still relatively slow, restricting the reform and development of Rural Commercial Bank. I believe that the revitalization of non-performing loans to do “Five policy simultaneously ”. First, we must sort the policy, the right medicine. The formation of nonperforming loans is complex and has different causes. We must carefully analyze the causes of each nonperforming loan and grasp the crux of the problem so as to make the right remedy. On the debt of households,