对于有着60年历史的农信社而言,这是一个充满希望的时代。经历了轰轰烈烈的改革洗礼之后,曾经在困境中迷茫的农信社重新找回了发展的活力,在改革“红利”效应的刺激下,正踌躇满志地向着更远的目标前进。对于刚刚从改革中获得新生的农村银行而言,这又是一个充满挑战的时代。随着我国农村金融市场开放程度的日益提高,农村银行曾经无可撼动的市场垄断格局正在逐步被瓦解。在日益激烈的市场竞争面前,如何通过改革提升自身 For a 60-year-old rural credit cooperatives, this is a time full of hope. After a vigorous reform and baptism, the rural credit cooperatives, once confused by difficulties, regained the vitality of development. With the stimulus of the reform and the “bonus” effect, they are now smugly moving forward toward the further goal. For the rural banks that have just gained a new life in the reform, this is yet another challenging era. With the increasing opening up of rural financial markets in our country, the unsustainable market monopoly of rural banks is gradually being dismantled. In an increasingly fierce competition in the market, how to improve themselves through the reform