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建立和完善信贷进退机制，应按照“有进有出，进而有为，退而有序”的原则，从增量到存量，从局部到整体，系统地推进信贷结构的调整，做到既加快业务创新，开拓高收益市场，又主动退出低效市场，从根本上走出边投入边沉淀的怪圈。●树立正确的退出意识。农村信用社首先在思想
To establish and improve the mechanism for credit advance and retreat, we should systematically push forward the adjustment of the credit structure from increment to stock and from part to whole in accordance with the principle of “making progress while continuing progressing, and then proceeding in retreat and orderly progress” Business innovation, explore high-yield market, but also take the initiative to withdraw from the inefficient market, fundamentally out of the vicious circle into the side. ● Establish a correct exit awareness. Rural credit cooperatives first thought