存单质押贷款是指借款人或第三人以存单作为质物来保证借款按期归还的一种贷款方式。随着金融风险意识的增强 ,这种贷款方式已成为农村信用社运用的一种主要贷款方式 ,它极大地减少了信用社的贷款风险 ,为信用社按期收回贷款提供了最有效的保障。但在实践工作中 ,不少信用社工 Pledged loan deposit refers to the borrower or third party as a single deposit as a guarantee to ensure the repayment of loans on schedule. With the enhancement of financial risk awareness, this kind of loan has become a major loan method used by rural credit cooperatives. It greatly reduces the loan risk of credit cooperatives and provides the most effective guarantee for credit cooperatives to collect loans on schedule. However, in practice, many credit social workers