农村信用社信贷员在多年的工作实践中，有的为关照左邻右舍和同乡关系发放了人情贷款；有的为照顾亲朋好友的面子发放了关系贷款；有的为拉存款发放越权贷款……凡此种种“责任贷款”，各级信合管理部门年年清理检查，但总是前清后增。探究其因，是因为只注重清查责任，不注重 In many years of practice, some loan officers of rural credit cooperatives have issued loaning loans for the care of their neighbors and their fellow countrymen; some have issued relational loans for the face of friends and relatives; ... All these kinds of “responsibility loans”, all levels of the cooperation management departments to clean up the inspection, but always before the post-Qing increase. To explore the cause, because only focus on inventory responsibility, do not pay attention