关于农村信用社模式改革的思考

农村信用社经过多年的改革许多省份都选择了省联社的模式，在这种模式下的农村信用社有许多缺点。为了避免这些缺点，许多人建议将农村信用社改组为农村商业银行。但如果再建立省级农村商业银行容易使农村地区更难得到贷款的支持，所以建议在农村信用社下一步的改革中设立两级的农村商业银行。

Thoughts of the Reform of Rural Credit Cooperatives

Many Provinces have chosen the form of province-level cooperatives in the reform of rural credit cooperatives, bus it has some problems. In order to solve this problem, many people suggest transforming the rural credit cooperatives into banks, but the people＇s bank of China afraid that the people in the rural areas will even harder to get loans. This will against the purpose of the establishment of the rural credit cooperatives and also hurt the interests of the farmers. We suggested that we could set up two levels of rural banks in the next step of the reform of rural credit cooperatives.