近年来,随着农村信用社体制改革以及支农政策的不断深入,农村信用社在支农中的作用越来越明显,处在了主力军的位置。因为农村信用社自身体制和其所处经济环境的特殊性,其不良资产的处置也具有其特殊性,研究时要综合考虑到其特殊性。本文主要就农村信用社产生不良贷款的成因进行了分析,并提出了可行的实施方法。 In recent years, with the institutional reform of rural credit cooperatives and the continuous deepening of the policy of supporting agriculture, the role of rural credit cooperatives in supporting agriculture has become more and more obvious, which is at the position of the main force. Because of its own system of rural credit cooperatives and the particularity of the economic environment in which they are located, the disposal of the non-performing assets of rural credit cooperatives also has its peculiarities, and its particularity should be taken into consideration synthetically. This paper mainly analyzes the causes of NPLs in rural credit cooperatives and puts forward feasible methods.