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随着农村信用社“稳健经营，突出效益”一系列政策的推出，盘活不良贷款，化解贷款风险已成共识。笔者通过多年的信贷工作，对贷款的运行情况、占用形态以及所形成的原因进行了实地详细的调查、剖析研究，总结摸索出一套盘活不良贷款、化解贷款风险的操作办法。 其一，新老
With the introduction of a series of policies of “sound management and prominent benefits” of rural credit cooperatives, it has become a consensus that we should revitalize non-performing loans and defuse loan risks. Through years of credit work, the author conducted a detailed investigation and analysis on the operating conditions, occupancy patterns and the causes of the loans, and worked out a set of operational methods to revolt the non-performing loans and defuse the loan risks. First, new and old