目前信用社的自有资金可作为信贷资金使用的,有股金、应付股金红利、专用基金、公积金、应付未付利息等。其中:应付股金红利每年要付给社员,不能过期占用;公积金和专用基金每年用于基建等用途后,实际结余有限;应付未付利息结余部分虽然占用时间较长,但仍然形不成永久性的信贷基金。因此,信用社有必要建立一种可作为财产保留的永久性信贷基金。其来源一是每年按一定比例从盈余中提取一部分,二是多提取的应付未 At present, the self-owned funds of credit cooperatives can be used as credit funds, including share funds, bonus dividends payable, special funds, provident funds and unpaid interest payable. Of which: dividends payable to shareholders each year to be paid, can not expire occupancy; provident fund and special fund each year for infrastructure and other purposes, the actual balance is limited; part of the balance of unpaid interest, although the occupation takes a long time, but still can not form a permanent Credit funds. Therefore, it is necessary for credit cooperatives to establish a permanent credit fund that can be retained as a property. First, the source of a certain percentage each year from the surplus part of the extraction, and second,