目前 ,农村信用社不良贷款占比重 ,使农村信用社经营受到严重影响 ,经营风险加大 ,也使农村信用社改革的进程受阻。因此 ,大力盘活农村信用社不良贷款 ,提高信贷资产质量 ,势在必行。一、农村信用社信贷资产质量低下的原因１、内部职工素质偏低。长期以来 ,因农村信用社人员不 At present, the proportion of non-performing loans of rural credit cooperatives has seriously affected the operation of rural credit cooperatives and increased the operational risks, which hinders the reform of rural credit cooperatives. Therefore, vigorously revitalize rural credit cooperatives and improve the quality of credit assets, it is imperative. First, the reasons for the low quality of rural credit cooperatives credit assets 1, low quality of internal staff. For a long time, because of RCC staff not