农村信用社是农村金融的主力军，是联系农民的金融纽带。深化我国农村信用社的改革，不仅关系到农村信用社自身的稳定健康发展，而且事关农业发展、农民增收、农村稳定的大局，更是我国构建社会主义和谐社会的客观要求。因此，农村信用社要在不断的改革过程中寻求最适合自己的发展模式。
本文首先从回顾我国农村信用社改革历程及特点出发，接着对合作金融组织运行已经相当成熟的德国、荷兰、美国、法国和日本这五个西方发达国家进行考察，分析了它们的合作金融组织形式以及主要特点，并揭示出这些国家在合作金融发展过程中出现的新趋势，指出其对我国农村信用社在改革模式选择上的借鉴与启示。文章接下来对我国农村信用社已经取得的改革成效以及目前存在的三种改革模式进行了比较分析，同时指出现存的一些制度缺陷，进而提出深化我国农村信用社改革的必要性。接着，本文在提出我国不同经济发展水平地区农村信用社的改革模式之前，首先指出了改革的目标定位和基本原则，同时，因为农村信用社的体制再造模式是一项长期而复杂的系统工程，需要循序渐进、逐步到位，不能急于求成，所以又将改革的目标分为近期目标和远期目标。
然后，再从我国纵向划分的代表不同经济发展水平的中、东、西部的现状分析入手，针对其实际情况，进而提出适合该地区经济发展水平的农村信用社改革模式。文章最后，指出要使改革模式得以有效地运行，我国农村信用社实现可持续的发展，势必要利用改革的契机，培育良好的外部环境，包括制度环境、法制环境、政策环境、信用环境和市场环境等。

The rural credit cooperatives are the main force of rural finance; they are also the financial link which relates farmers. Deepening the reform of rural credit cooperatives in our country, not only affects the stable and healthy development of rural credit cooperatives, but also affects the overall situation of development of agriculture, income increase of farmers and the stability of countryside. It is that to be building a socialist harmonious society of the objective requirement. Therefore, the Rural Credit Cooperatives has to seek the most suitable development model in the course of reform.
     This article analyzed the course of development of rural credit cooperatives and features, pointed out the effectiveness of the reform and the system deficiencies of rural credit cooperatives and posed to the need of deepening the rural credit cooperatives. Then the article investigated the mature cooperative financial organizations of Germany, Holland, US, France, and Japan, analyzed the form of cooperative financial organizations and the major features. Thus it announces the new emerging trends of the development of cooperative financial organizations in these countries and poses to the successful experience of the western developed countries for China's reform of rural credit cooperatives in the mode of choice of reference and inspiration. Later, at first, the article pointed out the reform of the basic principles and targeting before putting forward for the different levels of economic development in the reform of rural credit cooperatives in China. Meanwhile, because the system of rural credit cooperatives recycling model is a long-term and complicated systematic project, the need gradual, progressive place, we can not over-anxious, so will the aims of the reform is divided into short-term objectives and long-term objective.
Then, from the vertical division of our country, representing different levels of economic development in the East, starting with the western part of the analysis of the status quo, against the actual situation and then put forward for the region's economic development level of the reform of rural credit cooperatives model. In conclusion, the article pointed out that if the reform model for the effective functioning of China's rural credit cooperatives to achieve sustainable development, reform is bound to use the opportunity to cultivate a favorable external environment, including institutional environment, legal environment, policy environment, credit and market environment and so on.