近年来，在借款人或担保人无力以货币归还信用社贷款本息时，以借款人或第三人的动产、不动产抵偿贷款本息的现象逐渐增多，农村信用社因此取得的抵贷资产也越来越多．这些资产是信贷资产的另一存在形式，加强对这类资产的管理与对信贷资金的管理一样至关重要； 一、抵贷资产问 In recent years, when the borrower or guarantor can not afford to repay the principal and interest of the credit cooperatives by currency, the loan and interest of the borrower or the third person are compensated for the principal and interest of the loan. The credit assets obtained by the rural credit cooperatives are also getting more and more more. These assets are another form of existence of credit assets. Strengthening the management of such assets is as crucial as the management of credit funds.