农村信用社近年来存在巨额不良贷款，给农村金融带来较大的隐患，从而削弱了农村信用社的支农作用。因此，分析我国农村信用社不良贷款的成因以及探讨解决问题的对策是有重大的理论和现实意义的。
本文认为我国农村信用社不良贷款形成的原因主要包括历史因素、内部因素和外部因素三方面。在讨论了不良贷款的成因之后，本文还尝试提出解决不良贷款问题的对策，应该更彻底地清除历史遗留下来的不良贷款，同时还要抑制新的不良贷款的产生。
[关键词] 农信社 不良贷款 成因 解决对策
Causes and Solutions of Non-performing Loans of Rural Rredit Cooperative
Abstract： Rural Credit Cooperatives in recent years there huge non-performing loans to rural financial bring greater the hidden dangers, thus weakening the role of rural credit cooperatives of agricultural support. Therefore, the analysis of non-performing loans of China’s rural credit cooperatives and to explore the causes of the measures to solve the problem is a major theoretical and practical significance. China’s rural credit cooperatives in this paper that the causes of non-performing loans mainly to historical factors, internal factors and external factors in three areas. In discussing the causes of the non-performing loans, the paper also try to solve the problem of bad loans countermeasures should be more thorough removal of the historical legacy of bad loans, but also curb new bad loans generated.
Key words： Rural Credit Cooperatives; Non-performing loans; Causes; Solutions.
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