n. 农村信用合作社，农村信用社
In order to restrain the management risks, we should establish the system of rural credit cooperatives deposit insurance.
为有效遏制其经营风险，需建立农村信用合作社存款保险制度。
The sustainable development of Rural Credit Cooperatives is the need of rural economy sustainable development, and the socialism new countryside construction.
农村信用社的持续发展是农村经济可持续发展、建设社会主义新农村的客观需要。
The market environment faced by Chinese Rural Credit Cooperatives are taking place in a large thorough integration and unprecedented changes, with a coming brutal competition.
中国农村信用社面临的市场环境正在发生一次彻底的大整合和前所未有的大变局，残酷的竞争正向其袭来。
Rural credit cooperatives (RCCs) gain a quasi monopolistic position in formal rural financial market.
农村信用社在农村正式金融市场获得了准垄断地位。
The pattern of special stamp of urban credit cooperatives or rural credit cooperatives shall be uniformly determined by the People's Bank of China (see Annex II for contents and formats).
城市信用合作社、农村信用合作社的专用章式样由中国人民银行统一规定（印章的内容及摆布见附式二）。
This papers, aims to express the survival fulcrum of rural credit Cooperatives(RCC) lying in Tri-agriculture.
本文旨在表达农村信用社生存支点仍在三农，不可随大流，应量力而行。
As for the supervision to the rural credit cooperatives, we should not only con-sider the supervision cost but also the supervision target.
对我国农村信用社的监管，既要考虑降低监管成本的问题，还要注意监管对象的选择。
In the new competitive structure, the rural credit cooperatives will be faced with the danger of losing the original outstanding customer, the ability of gaining benefit can be weakening.
在新的竞争格局里，农村信用社原有的优质客户将面临流失的危险，自身盈利能力有可能弱化。
In the recent years, the orientation of money market operations of rural credit cooperatives has not been clarified although the businesses of inter-bank bond market have developed rapidly.
银行间债券市场各项业务发展迅猛，但农村信用社的货币市场业务尚缺乏明确定位。
This article mainly expounds the rural credit cooperatives of financial institutions as the bank has its own characteristics.
本文主要阐述了农村信用合作社作为银行类金融机构有其自身的特点。
The internal defects as well as the financial and political influences have made rural credit cooperatives slack in rural support.
由于自身缺陷以及金融、政策环境的影响，当前农信社未能为三农的发展提供充分的信贷支持。
This paper focuses on the equity pricing problem of Rural Credit Cooperatives in the present situation of China.
本文正是立足于我国的现实情况，探讨我国农村信用社股权定价问题。
Under the conditions of trust, the poor farmers and rural credit cooperatives both know each other will take the strategy of cooperation, so trust will promote the successful completion of borrowing.
在信任条件下，弱势农户和农信社都了解对方将要采取合作的策略，因此信任会促使借贷顺利完成。
Article 3 The rural cooperative banks shall be established mainly on the basis of the rural credit cooperatives and the rural credit cooperative unions of the counties (cities).
第三条农村合作银行主要以农村信用社和农村信用社县（市）联社为基础组建。
At present, rural credit cooperatives are the main force of China rural finance, is a link farmers financial ties, the three rural and promote rural economic development.
目前农村信用社是我国农村金融的主力军，是联系农民的金融纽带，对服务“三农”和促进农村经济发展至关重要。
Under the new situation, it appears particularly important for the rural credit cooperatives to choose strategies.
在新形势下，农村信用社如何进行策略选择，也就显得尤为重要。
Nonagricultural trend of rural credit cooperatives is worsening.
农村信用社“非农化”趋势日益加剧；
In 1999 the People's Bank of China began to popularize rural microfinance in our country's rural credit cooperatives. The service has developed very quickly and has gained some achievements.
1999年，中国人民银行开始在全国农村信用社普遍推广农村小额信贷业务，并取得了一定的成就。
In terms of practice, the new China's rural credit cooperatives despite more than 50 years of development history, but have not yet found a suitable for their own roads;
从实践上看，*********的农村信用社尽管已有50多年的发展历程，但至今还未找到一条适合于自己的道路；
Thoughts on Establishment of System of Rural Credit Cooperatives Deposit Insurance in Our Country;
在运行机制上，集体所有制性质的信用合作社与国有商业银行一样，存在着一系列弊端。
Now, local commercial banks in our country include a few company Joint-equity bank, city and rural commercial bank, rural cooperative bank, rural and city credit cooperatives.
现阶段，我国地方商业银行包括少数股份制商业银行、城市商业银行、农村商业（合作）银行以及城市和农村信用合作社。
"农村信用合作社"（Rural Credit Cooperatives，简称RCCs或农信社）是一个复合金融术语，其核心含义可拆解为：
农村 (Rural)：指服务的地理区域和目标群体。这表明该类金融机构主要设立在中国的县、乡、村等非城市区域，旨在为农业、农村和农民（即“三农”）提供金融服务，解决农村地区金融服务供给不足的问题。
信用 (Credit)：指其核心业务功能。农信社主要从事存款、贷款、结算等基础的信用业务。它们吸收农村居民和涉农经济组织的闲置资金（存款），并将这些资金以贷款形式投放给需要资金支持的农户、个体工商户、小微企业和当地农村经济组织，满足其生产、生活、经营等融资需求，是农村地区重要的信贷供给机构。
合作社 (Cooperatives)：指其最初的所有制形式和组织原则。农信社在创立之初借鉴了合作制原则，理论上由社员（主要是当地农民和农村经济组织）自愿入股组成，实行民主管理（如“一人一票”的社员代表大会制度），主要为社员服务，并实行利益共享、风险共担。其宗旨是互助合作，服务社员和社区，而非追求利润最大化。
综合定义： 农村信用合作社（RCCs）是主要设立在中国农村地区，由农民、农村工商户和各类农村经济组织自愿入股组成，实行民主管理，主要为社员提供存款、贷款、结算等金融服务的合作制社区性地方金融机构。它们是中国农村金融体系的基础力量和重要组成部分，在服务“三农”、支持县域经济发展、促进普惠金融发展方面发挥着不可替代的作用。
关键特征与职能：
权威参考来源：
“Rural Credit Cooperatives”（简称RCCs）是由“rural”（农村的）和“credit cooperatives”（信用合作社）组成的短语，特指服务于农村地区的合作金融机构。以下是详细解释：
词汇分解
整体定义
Rural Credit Cooperatives（农村信用合作社）是经中国人民银行批准设立、由农民和农村经济组织自愿入股组成的合作制金融机构。其核心目标是为社员及农村地区提供金融服务，支持农业发展和农村经济。
主要特征
法律地位与现状
农村信用社受国家法律保护，财产和业务活动合法。随着改革，部分已改制为农村商业银行或农村合作银行，但仍以服务“三农”为主要导向。
总结来看，“Rural Credit Cooperatives”是一个兼具地域属性和合作金融机制的概念，体现了农村经济互助与政策扶持的结合。
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