关键词一:差异化竞争截至2008年底,全国有105家新型农村金融机构开业,其中村镇银行89家,贷款公司6家,农村资金互助社10家,邮政储蓄银行也开始发展小额信贷业务,与农业银行、农信社等传统农村金融机构的竞争日趋激烈。农业银行通过发展独具特色的惠农卡和农户小额贷 Keyword One: Differentiated Competition As of the end of 2008, there were 105 new rural financial institutions operating nationwide, including 89 village banks, 6 loan companies and 10 rural credit cooperatives. The Postal Savings Bank also started to develop the microfinance business. The competition with traditional rural financial institutions such as Agricultural Bank of China and Rural Credit Cooperatives is becoming increasingly fierce. Agricultural Bank through the development of unique Huinongka and farmers small loans