随着农村商品经济的发展，农村信用社的扶持对象、贷款规模日渐增加。与此同时，其不良贷款也在逐渐增加。目前，完善信用社信贷资金管理体制，确保信贷资金安全，已成为信用社经营中亟待解决的一个突出问题。１．实行规范化管理，确保贷款经济效益第一，实行计划管理。借助于 With the development of rural commodity economy, the target of supporting rural credit cooperatives is increasing loan scale. At the same time, its non-performing loans are also gradually increasing. At present, improving credit credit management system of credit cooperatives and ensuring the safety of credit funds has become a prominent issue urgently needed to be solved in the operation of credit cooperatives. 1. Standardized management shall be implemented to ensure the first economic benefit of loans and the implementation of plan management. With