长期以来，受多种因素制约，信贷资产质量低劣已经成为制约农村信用社快速健康发展的根本因素，也是农村信用社扭亏为盈的最大障碍，农村信用社要想尽快摆脱经营困境，迅速扩大有效信贷资产规模，逐步消化业已存在的资产风险，就成为其必然而且有效的选择。农村信用社现有的管 For a long time, being restricted by many factors, the poor quality of credit assets has become a fundamental factor restricting the rapid and healthy development of rural credit cooperatives. It is also the biggest obstacle for rural credit cooperatives to turn losses into profits. Rural credit cooperatives need to extricate themselves from operational difficulties as soon as possible and effectively expand their effectiveness The scale of credit assets, and gradually digest the existing asset risk, it has become its inevitable and effective choice. Rural credit cooperatives existing management