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农村信用社贷款回收难，花衣因抵押物不足而办理抵押贷款难，张巨信用社尝试实行了由 三户花衣为一组相互担保的联保贷款办法，使上述矛盾得深到解决。
Rural credit cooperatives loan recovery difficulties, garments due to lack of collateral for the mortgage loan difficult, Zhang Ju credit cooperatives tried to implement by the three family flower clothing as a set of mutual guarantees secured loan approach, so that the contradiction deep solution.