当前,我国社会正处于转型时期,由于体制原因和人们思想认识上的偏差,在一定程度上造成了个人信用、企业信用乃至基层政府信用的缺失,制假售假、偷税逃税、逃避国家银行和信用社债务等现象在农村不同程度地存在,诚信问题成为影响和制约农村经济发展的一个比较突出的问题。鉴于此,农村信用社为了提高农民诚信意识,不断增强农民的信用观念,从而解决农村信用社经营难的问题,采取在贷款无逾期、无呆滞、 At present, our society is in the transitional period. Due to the institutional reasons and people’s deviation in ideological understanding, to a certain extent, personal credit, corporate credit and lack of credibility of the grass-roots government, counterfeiting and tax evasion, evading tax evasion by the state banks and The credit union debt and other phenomena exist to some extent in the rural areas, and the credit problem has become a prominent problem that affects and restricts the rural economic development. In view of this, in order to improve farmers ’awareness of honesty and credit, RCCs constantly enhance the farmers’ credit concept so as to solve the difficult operation of rural credit cooperatives and adopt the principle of "