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1、农村信用社“阳光信贷”服务承诺桐梓县农村信用社“阳光信贷”服务承诺农村信用社“阳光信贷”服务承诺为转变信用社工作作风，规范贷款操作行为，加大信贷管理力度，提高支农服务质量，我社现推行“阳光信贷”服务。 一、基本原则：按照“一次核定、随用随贷、余额控制、周转使用”的要求，对农户贷款需求，及时解决。二、纪律要求：信用社员工在办理、管理贷款工作中，严禁“吃、拿、卡、要”行为。三、限时服务：对客户提出的贷款需求。（1）在信用社权限内，对评定授信内的农户贷款，随到随办。对因借款用途不明需要进行贷时风险把控的大额贷款，在三个工作日内完成对客户贷款申请的贷前调查，并做出贷或不贷、贷多贷少的答复。（2）超出信
2、用社权限的农户大额信用贷款业务，信用社在接到客户申请三个工作日完成贷前调查，符合贷款条件的，及时上报县联社审批部门，联社审批部门三个工作日内作出书面回复。（3）、抵押担保贷款在五个工作日内调查审批发放。超审批权限的报联社相关部门审批，联社审批部门自接到信用社上报材料之日起五个工作日内作出书面回复。 注：上述限时不含由办理抵（质）押物（权力）手续的时间和国家法定节假日。 四、投诉处理：对信用社小额农贷的建档、评定、授信、发放等过程，信贷人员、支农联络员在工作中存在违规违纪行为的，联社及时调查处理、回复客户的投诉举报。信用值千金，贷款不用愁；存款在信合，方便又灵活。农民朋友们，农村信用社始终是当地
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