面对复杂多变的经济金融形势,农信社信贷业务发展对信贷队伍的综合素质也提出了更高要求。笔者结合自己的亲身经历,认为农信社的信贷人员需充当好在农信社跨越发展中的“四员”:争当金融知识的宣传员。由于受客观条件的限制,广大农民普遍缺乏必要的金融知识。作为农信社信贷人员,长期奔跑于乡村之间,与农民朋友面对面接触的时间比较多,与他们 Faced with the complicated and volatile economic and financial situation, the development of RCCs’ credit business poses higher requirements for the overall quality of the credit team. Based on my personal experience, the author believes that RCCs’ credit officers should act as “four members” in their leapfrog development: advocates of financial knowledge. Due to the objective conditions, the vast majority of peasants generally lack the necessary financial knowledge. As a credit officer of the rural credit cooperatives, run for a long time in rural areas, face to face with peasant friends more time, and they