随着社会主义市场经济体制的确立和银行商业化的推进，银行与信用社的业务竞争也更加激烈，主要表现在储蓄存款方面。优化存款结构，盘活贷款存量是信用社生存与发展的关键所在。一、优化存款结构信用社的主要职能是筹集资金与再分配资金。而信用社信贷资金的主要来源是储蓄存 With the establishment of the socialist market economic system and the commercialization of banks, the business competition between banks and credit cooperatives has become even more fierce, mainly in terms of savings and deposits. Optimize the deposit structure, revitalize the stock of loans is the key to survival and development of credit cooperatives. First, optimize the deposit structure The main function of the credit cooperatives is to raise funds and redistribute funds. The main source of credit funds for credit cooperatives is savings