金融活动已成为村民日常生活中不可缺少的一部分。不同年龄、不同文化程度、不同职业村民的货币收入差异 ,直接影响到他们的储蓄行为和贷款行为。不同金融机构相继进入村庄 ,虽然创造了一个有利于提高金融服务的竞争环境 ,但村民金融服务需求不能得到满足的状况 ,依然没有好转 ,尤其是在贷款方面。对于金融机构来说 ,满足村民金融服务需求的唯一出路 ,在于金融机构的组织创新、金融产品创新和金融制度创新。信用社要想更好的为农民、为农村经济发展服务 ,这三个创新尤其急迫 Financial activities have become an indispensable part of villagers’ daily life. Different incomes of villagers of different ages, different education levels and different occupations directly affect their savings behavior and loan behavior. Although different financial institutions have successively entered the villages, although a competitive environment conducive to improving financial services has been created, the unsatisfied demand of villagers for financial services remains unimproved, especially in respect of loans. For financial institutions, the only way to meet the needs of villagers’ financial services lies in the organizational innovation of financial institutions, the innovation of financial products and the innovation of the financial system. Credit unions want to better for the peasants, rural economic development services, these three innovations especially urgent