农村信用社是农村重要的金融机构,其快速发展带动着农村的经济发展,对于建设社会主义新农村具有至关重要的作用。与此同时也存在着很严重的问题,那就是不良贷款的问题。不良贷款严重影响了农村信用社的发展,不良贷款问题急需解决。不良贷款形成的原因主要有两方面,一方面贷款人自身的问题,另一方面是信用社的原因。对于不良贷款,我们要想方设法的将其解决,推动农村经济的发展。 Rural credit cooperatives are important financial institutions in rural areas. The rapid development of rural credit cooperatives drives the economic development of rural areas and plays a crucial role in building a new socialist rural area. At the same time, there is a serious problem that is the problem of bad loans. NPLs have seriously affected the development of rural credit cooperatives, and the problem of bad loans needs to be solved urgently. There are two main reasons for the formation of NPLs, on the one hand, the lender’s own problems and on the other hand the reasons for the RCCs. For non-performing loans, we must find ways to solve them and promote the development of rural economy.