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目前，农村信用社由于历史、政策和管理等诸多沉淀的原因，亏损严重的信用社占有了相当大的比例，集聚了过高的金融风险，有些信用社甚至资不抵债，相当一份信用社存在支付困难，濒于倒闭的边缘，几乎处于关门或半关门的状态，我区截止至1997年3月末，全区共有780家农村信用社
At present, RCCs account for a large proportion of credit unions with serious losses as a result of many precipitations such as history, policies and management. Risks are too high. Some credit unions are even insolvent, There are difficulties in payment, the brink of bankruptcy, almost closed or semi-closed state, my area as of the end of March 1997, the region a total of 780 rural credit cooperatives