存单质押贷款深受银行和消费者的欢迎 ,但不少消费者反映在办理小额质押贷款过程中存在一些问题 :一、手续烦、时间长。在发放小额质押贷款中 ,各行(社 )手续不尽统一 ,从调查情况来看 ,手续烦、时间长是一个共同特征。从填写贷款申请书 ,到经办人员签字、储蓄(信贷 )科长初审 Deposit certificates pledged loans by banks and consumers, but many consumers reflect the process of small pledges for the existence of some problems: First, the procedures annoying, a long time. In the process of issuing small-sum pledged loans, the procedures for various branches (agencies) are not unified. According to the investigation, procedures annoying and time-consuming are common features. From filling out the loan application, signing to the handling personnel, the chief of savings (credit) first instance