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最近，为了进一步弄清农村信用社不良贷款形成的原因，我行组织力量，在去年真实性检查的基础上，对所辖１８个农村信用社的担保贷款风险状况进行了一次专门调查。调查表明：随着金融风险意识的增强，农村信用社贷款管理不断完善，除小额农户贷款可采用信用方式发放外，其他贷?
Recently, in order to further clarify the reasons for the formation of non-performing loans of rural credit cooperatives, the Bank organized a special investigation on the risk profile of secured loans of 18 rural credit cooperatives under the jurisdiction of last year’s authenticity inspection. The survey shows that with the enhancement of financial risk awareness, the loan management of rural credit cooperatives is constantly improving. Except for small-scale peasant household loans that can be issued by credit,