联社营业部作为农村信用社的“结算中心”,在提供优质服务、加速资金周转等方面发挥了越来越重要的作用。但随着营业部自身业务的开展、尤其是贷款业务的超常增长,使得营业部的服务功能明显削弱,信用社相当一部分结算资金被“套牢”,营业部“包袱”沉重。我们从唐山市辖内营业部信贷调查 As the “settlement center” of rural credit cooperatives, the cooperative sales department has played an increasingly important role in providing excellent services and accelerating the turnover of funds. However, with the development of the business department’s own business, especially the extraordinary growth of the loan business, the service function of the business department has been obviously weakened. A considerable part of the settlement funds of the credit cooperatives have been “stuck” and the “burden” of the business department is heavy. We from the Tangshan City Department of credit business survey