近年来,随着国家培育力度的加大,农村金融市场潜力进一步凸显,各类金融机构竞相涌入,农信社竞争压力、生存压力急剧增大。面对日益严峻的金融竞争环境,作为农村金融市场主力军的农信社该何去何从?笔者认为,农信社要想在激烈的竞争中站稳脚跟并脱颖而出,就必须进行金融创新。农村金融市场的深入发展促使农信社必须进行金融创 In recent years, with the intensification of national training, the potential of rural financial markets is further highlighted. The influx of various financial institutions and the pressure of competitive RCCs have dramatically increased the pressure of survival. In the face of the increasingly fierce financial competition environment, as the main force in the rural financial market, where should the rural credit cooperatives? The author believes that in order to establish a foothold in the fierce competition and come to the fore, the rural credit cooperatives must carry out financial innovation. The further development of rural financial markets has forced RCCs to make financial innovations