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滨海农商行“试验”定向募股农信社由于历史原因形成的巨额不良贷款,虽经多年历次清收盘活,占比仍然居高不下,已经成为打造现代农村金融企业道路上的“拦路虎”。过分依靠农信社内部消化或外部置换不太现实,国家给予扶持政策的优势也消耗殆尽,农信社资产管理公司还没有组建成产。这些都让农信社感觉到“骨头”越啃
Although the huge amount of non-performing loans formed by the RCCs for historical reasons led to the liquidation of many non-performing loans by the ROC, its share in the RCCs still remains high, and has become the “stumbling block” on the road to building modern rural financial enterprises ". Excessive reliance on rural credit cooperatives internal digestion or external replacement is not realistic, the state has also given up the advantages of supportive policies have been depleted, RCCAM asset management companies have not yet formed into production. All these make the rural credit cooperatives feel that the more bones they eat