The essay is based on the analysis of policy-oriented financial institutions, state-owned commercial financial institutions, cooperative financial institutions and non-formal financial institutions. The major point is that the overall function of the rural financial system is weakened. It analyzes the superiorities and conditions of supply and marketing cooperatives in the innovation of rural financial service system from the aspects of the organization of supply and marketing cooperatives and farmers allies. It tries to seize the feature of rural credit and put credit cooperative into the business service system based on the production and business cooperation in order to construct a new system of rural financial services whose foundation is the mutual funds of members of cooperatives. What's more, the essay puts forward the suggestion that we should grasp the basic orientation, focus on institutional innovation and the partnership of agricultural banks, prevent possible risks and get support from the government. These suggestions will promote cooperative-financial construction and innovate rural financial service system.%本文通过对我国政策性金融机构、国有商业金融机构、合作性金融机构、非正规金融组织的分析,认为当前农村金融体系整体功能被削弱；并从供销合作社的农民盟友、组织特性和体系方面,分析了供销合作社在农村金融服务体系创新方面具备的条件和优势.其思路是把握农村信用特点,以生产经营合作为基础,将信用合作融入经营服务体系,构建以专业合作社成员间资金互助为基础的农村融资服务新体系.提出了把握基本定位、着眼于体制和机制创新、与涉农银行建立合作关系、做好风险防范、政府应给予扶持等促进合作性金融建设、创新农村金融服务体系的建议.
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