【摘要】中国农业和农村经济正处在新的发展阶段，随着金融体制改革的不断深化，在农村金融领域经营50多年的农村信用社面临向现代金融企业发展转变的历史性机遇，更面临前所未有的竞争挑战甚至生存考验。作为中国农村金融的主力军和联系广大农民的金融纽带，农村信用社必须适应农业和农村经济发展的这一新情况、新特点、新要求，依靠国家的支持和自身的优势，通过深化改革，将发展方向定位于服务“三农”、当地社区中小型企业贷款以及个人零售业务，并根据不同地区不同发展情况选择适合的发展模式，解决目前面临的资金实力较弱、业务单一、历史包袱沉重、产权制度不明晰等问题，使农村信用社能够更好的服务于“三农”，促进农村金融市场的充分竞争，有效支持社会主义新农村建设。

【关键词】中国农村信用社；发展方向；发展模式

【Abstract】 China’s agricultural and rural economy is in a new stage of development. With the deepening of the financial system reform, the rural credit cooperatives operating in rural finance for more than 50 years are confronted with a historical opportunity to develop into modern financial enterprises. Unprecedented competition challenges and even survival test. As the main force of China’s rural finance and the financial ties of farmers, rural credit cooperatives must adapt to the new situation, new features and new requirements of agriculture and rural economic development, rely on the support of the state and their own advantages, The development orientation of the service orientation of the “three rural”, the local community small and medium enterprises loans and individual retail business, and according to the different development of different regions choose the appropriate development model, to solve the current financial strength is weak, single business, historical burden , The property rights system is not clear and so on, so that rural credit cooperatives can better serve the “three rural” and promote the full competition in rural financial markets, effectively support the construction of new socialist countryside.

【Key words】 China rural credit cooperatives development direction development model