甘肃省镇原县城市信用社成立于 1988年，由于起步晚，经营规模小，业务发展较慢，加之受当时重放轻收、重贷轻管粗放式经营方式的影响，致使放出的贷款大多成为呆滞贷款，信贷资产质量较差。止 1999年初，该社各项贷款 483万元，仅“两呆”贷款就达 412万元，占贷款总额的 85.3 Gansu Zhenyuan County Urban Credit Cooperative was established in 1988 as a result of late startings, small scale of operation and slow business development. In addition, due to the impact of the extensive mode of operation of replay light loans and heavy loan-paying loans at the time, the majority of loans were released Become a sluggish loan, the quality of credit assets is poor. As of the beginning of 1999, the various loans of the society amounted to 4.83 million yuan. Only loans for “dull” loans reached 4.12 million yuan, accounting for 85.3% of the total loans