为严格信贷制度，减少贷款损失，当前农村信用社普遍实行了贷款第一责任人制度。通过落实第一责任人，增强了农村信用社发放贷款的责任感，大大降低了发放贷款的随意性，新增贷款风险明显降低。但在实际中，笔者发现：有些信用社过分强调贷款第一责任人，放松了贷款前的调查及 In order to strictly credit system and reduce loan losses, the current rural credit cooperatives have generally implemented the system of the first responsible person for loans. Through the implementation of the first responsible person, the responsibility of rural credit cooperatives for loan issuance has been enhanced, the randomness of loan issuance has been greatly reduced, and the risk of new loans has been significantly reduced. However, in practice, I found that: Some credit unions overemphasize the first person who owns a loan, loosen the investigation before the loan and