The rural credit cooperatives and rural bank development are the main medium and small financial institutions of the local. As of the end of 2011, with supporting of national policy, Rural credit cooperatives' Capital actual strength increase ceaselessly, historical burden become resolved and Credit scale rise considerably and beneficial support to the development of rural economy and Playing the main force in rural finance and farmer's financial link function. Since the establishment of village and Town Banks, Its deposit and loan and business grow rapidly, And now It has become a beneficial complement of rural financial market, But with the operating and developing of these local medium and small financial institutions, There are still many problems and be worthy of attention, This paper aims to analyze the existing problems of the local medium and small financial institutions in the development, and Put forward rationalization proposal for promoting to the local medium and small financial institutions long-term development, and provide theoretical support for the healthy development For local small and medium-sized financial institutions.%地方中小金融机构主要以农村信用社和村镇银行的发展为主。截至2011年末，农村信用社在国家政策扶持下，资金实力不断增强，历史包袱得到一定化解，信贷规模大幅上升，有力支持了农村经济发展，发挥了农村金融主力军和联系农民的金融纽带的作用。村镇银行成立以来，存贷款增长较快，各项业务发展迅速，成为农村金融市场有益补充，但这些地方中小金融机构在经营发展过程中，仍存在诸多问题，值得关注。本文旨在通过剖析地方中小金融机构发展中存在的问题，提出促进地方中小金融机构长期发展的合理化建议，为地方中小金融机构的健康发展提供理论支撑。
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