4 rural financial institutions operational efficiency is not high in the current financial situation of the rural point of view, the state-owned commercial banks in the market-oriented reforms to phase out under the rural market, a narrow range of agriculture policy banks, the limited role of agriculture, rural banks rural finance companies, rural credit union funds and other financial institutions is still in the development of a new stage of development to be further standardized and improved, and as the main body of the rural financial system in the rural credit cooperatives, the cooperative financial "voluntary, mutual benefit" reflected the nature of small, efficient operations in the actual losses.