中文摘要：

农村金融是农村经济的核心,但长期以来,我国对农村金融合作制的基本原则认识不清,对农村金融机构的法律地位定位模糊,导致农村信用社及有关组织严重异化甚至背离了其本质属性。从法律视角对农村信用社、农村商业银行及省级农信联社进行探讨,对我国农村金融机构的法律地位进行分析,进而对我国农村金融立法进行展望,这对促进我国农村金融机构的良性运营具有非常重要的意义。

英文摘要：

Rural finance is the core of rural economy,but for quite a long time,there is not a clear understanding and legal status of the basic principles of China＇s rural financial cooperative system and institutions,and thus lead to serious alienation of rural credit cooperatives and related organizations and even a departure from its essential nature.It is of very important significance for promoting the healthy management of our country＇s rural financial institutions to explore the rural credit cooperatives,rural commercial banks and provincial rural credit cooperative union community from a legal perspective and to analyze the legal status of the rural financial institutions and then has a rural financial legislation outlook.