新增贷款质量的高低直接关系到农信社能否持续健康经营,应对同业竞争和持续提升信贷“支农”水平。笔者认为,农信社应在努力清收存量不良贷款的同时,重点抓好持续提高新增贷款质量工作。一是经营管理理念由贷款管理向 The level of new loan quality is directly related to whether rural credit cooperatives can maintain a healthy and sustainable operation, cope with horizontal competition and continuously raise the level of credit support agriculture. The author believes that RCCs should work hard to clear the stock of non-performing loans at the same time, focusing on continuing to improve the quality of new loans. First, the concept of management by the loan management