多年来,不良贷款已成为长期困扰农信社发展的顽疾。一些贷户因多方原因不归还信用社贷款:有的贷户外出打工逃避债务,长年累月不归家,音信全无;有的贷户矢口否认,企图赖账;在这些“赖债户”、“钉子户”的影响下,原本很讲信用的贷户也渐渐萌生等待、观望、攀比的不良心理,不愿主动归还贷款,给农信社清收不良造成了很大的困难,几乎到了“举步维艰”、“望贷兴叹”的地步。曾有熟人开玩笑说:“张三、李四欠你们信用社那么多贷款,你们怎么不惩罚他们,看来你们也没有什么办法啊。”听了这些话,笔者心中阵阵酸 For many years, the non-performing loans have become a chronic illness that has troubled the development of rural credit cooperatives for a long time. Some loan customers do not return credit loans because of multiple reasons: Some loan workers go out to work to evade their debts, and do not go home for months and years. They have no credit information. Some borrowers denied and attempted to claim loans. In these “ Under the influence of the ”nail house“, the credit lover who originally talked about credit also started to give birth to the unhealthy psychology of waiting, watching and comparising. He did not want to take the initiative to repay the loan, which caused great difficulties for the poor collection of the rural credit cooperatives. Almost To the ”difficult“, ”look lenient disappointment “ point. There have been acquaintances jokingly said: ”Zhang San, Li You owe you so much credit cooperatives, how do you not punish them, it seems you have no way ah.“ ”After listening to these words, the author heart acid