Then , this thesis analyses the reasons from the structure and efficiency of rural financial institutions , and then proposes an imagination of constructing a rural financial system in which policy - related finance , commercial finance , cooperative finance and other financial forms cooperate with each other and develop coordinately 然后，本文从农村金融组织结构和效率两个方面对以上结论形成的原因进行了分析，并进而提出了构建一个政策性金融、商业性金融，合作金融及其他金融形式相互配合、协调发展的机构多元化的农村金融体系的设想。
The insperations that our country have got from it for developing agricultural cooperative finance are as below : firstly have to accelerate countryside financial legislation , and to set 《 cooperative financial code 》 as soon as possible ; secondly to enhance the sustaining force on village finance , and to suggest that villages credit cooperative to be orientated as a implement of the state prop agriculture up through legislation ; thirdly to polish the color up that the village credit cooperatives are of being government - operated , so that it will truly become peasants their own cooperative financial organizations , as just farmers are the owner of it , and it definitely is the " servant " to service peasants 日本农协金融对我国发展农村合作金融的启示：一是要加强农村金融立法，尽快出台《合作金融法》 ：二是要加大时农村金融的扶持力度，建议通过立法将农信社定位为国家扶植农业的工具，将农业发展银行的县级支行合并到农信社；三是祛除农信社的官办色彩，把农信社真正办成农民自己的合作金融组织，农民才是农信社的“主人” ，信用社是为农民服务的“仆人” 。
Comparing to these countries , the history of china " s cooperative is short , which has only 50 years from me cooperative movement in 1950 " s . yet we should see that the pattern of me cooperative has been shaped though the development of cooperative go through me twists and turns . by the now , it have the economy organization forms of community cooperative special cooperative finance cooperative and so on 比起这些国家来，我国的合作经济发展历史短暂，从五十年代的合作化运动到现在只有五十多年的历史，然而应该看到，虽然合作经济发展几经波折，但格局已初步形成，到现在为此，已具有社区合作经济、股份合作经济、专业合作社和合作金融等多种组织形式。
Based on the analysis , the paper puts forward the fact that it is necessary to learn the successful experience of cooperative financial development in western countries in order to build sound cooperative finance with chinese characteristics . it is also necessary to follow market oriented , cooperative and classified guide to promote steady reform on country cooperative units 在分析成因的基础上，文章认为，办好有中国特色的合作金融需要借鉴西方国家合作金融发展的成功经验，必须遵循市场导向、合作制和分类指导、区别对待三项指导原则，稳步推进农村信用社的改革和发展。
This paper adopts theories and frameworks of new institutional economics to analyze the institutional vicissitudes of chinese rural cooperative finance ( crcf ) , including its historical happenings , development as well as recent reforms , from which we come to a conclusion that crcf has been locked in an inefficient state and deviated from the normal track 本文运用新制度经济学的分析框架与理论研究了中国农村合作金融制度的变迁，特别是农村信用社的发展历史与现状，指出信用社已经陷入异化和低效率的锁定状态，并揭示了其根本原因：行政干预。
Fourth , it is to build strong safeguarding system and enhance the competence in fending off the risk . sixth , it is to quicken the step in cooperative finance legislation and to improve the status of the country cooperative units . seventh , it is to set up competitive mechanism and to build the active country cooperative financial system 并提出以下具体改革设想：一是开展组织制度创新，实现组织形式的多样性；二是开展管理体制创新，推动多层次的联合与合作；三是开展产权制度创新，健全法人治理结构；四是合理市场定位，实行商业化经营；五是建立强有力的保障体系，增强防范和抵御风险的能力；六是加快合作金融立法，提高农村信用社地位；七是建立竞争机制，建设富有活力的农村合作会融体系。
On the basis of study of former 4 parts , part 7 generalizes the main problems of rcc of china , then summarizes enlightenment on the reform of rcf of china in 7 aspects : necessity of cooperative system in china , development trend of cooperative finance , organization model of rccs , setting up deposits ensure system , function of government , formulation related laws system and favorable policies on rcf , etc 首先分析了农村信用合作社作为农村金融的主体存在的主要问题，接着，以前4个部分为基础，提出在我国农村金融领域是否需要合作制、合作金融的发展趋势、农村信用社的组织体系建设、存款保险制度的建立、政府的监督职能、相关法律的制订完善以及相应优惠、扶植措施的制订等七个方面对我国农村合作金融改革的启示，以及具体的操作方式。
Rural cooperative finance ( rcf ) plays an important role in the finance system in china . after about 50 years development , the main parts of rural cooperative finance ? rural credit cooperatives ( rccs ) have large organization nets , abundant fund strength and obvious support function to agriculture development 农村合作金融是我国金融体系的重要组成部分，经过近50年的发展，农村合作金融的主体? ?农村信用社已发展成为机构网点普及、资金实力雄厚、支农作用显著的金融机构。
Firstly starting from his own work experience , combined with the foreign successful experiences and loses of developing cooperative finance , and consulting a large amount of documents and materials , the author systematically studies the fundamental theory and operating mode of cooperative finance . then , on the basis of a deep investigation and research into the present situation , characteristics and problems of rural credit cooperation , he thoroughly analyses its reform mode and trend of development , and presents his view to help rural credit cooperation extricate itself from predicament 本文首先从作者自己的工作实践出发，结合国外发展合作金融的成功经验和失败教训，并参阅了大量的文献资料，系统地研究了合作金融的基本理论以及运作模式；其次，在对农村信用社的现状、特点以及存在的问题进行了深入调查研究的基础上，对农村信用社的改革模式、发展方面进行了全面分析，提出了农村信用社目前摆脱困境的发展思路。
