德兴农联社是江西省首批组建农村合作银行的改革试点单位。改制之初,该社存在2.4亿元真实性不良贷款,其中大部分是历史遗留下来的乡村二级沉淀贷款或农垦企业贷款,几乎不可能得到处置变现,严重影响了农信社的改制进程。2004年伊始,德兴农信社依托产权制度改革的有利时机,大胆推 Dexing Agricultural Associations is the first batch of reform pilot units in rural areas to set up cooperative banks in Jiangxi Province. At the beginning of the system reform, there were 240 million yuan of real-estate non-performing loans in the society, most of which were left over from the legacy of rural second-class precipitated loans or loans from land reclamation enterprises. It is almost impossible to get liquidated by disposal and seriously affect the restructuring of RCCs. At the beginning of 2004, Dexing Rural Credit Cooperative relied on the favorable opportunity of reforming the property rights system and pushed it boldly