摘要:农村资金互助社是农民自己的银行，满足农村金融需求，帮助农民发家致富。但是在发展过程当中农村资金互助社受其资金规模，业务范围等约束,其本身的发展出现了很多的问题。首当其冲专业人才非常的匮乏，不能满足规范化的操作需求，从而导致农村资金互助社在本身存在许多操作不规范的问题。另外监管的缺失，更是构成农村资金互助社不稳定的因素。本文从连云港、盐城两个城市的具体案例进行分析发现，农村资金互助社在发展过程当中主要存在四个方面的问题。首先，金融与法律监管不到位。其次，资金来源渠道缺乏。再次风险控制能力弱。最后，办社宗旨不突出。在文章的最后根据农村资金互助社发展过程当中存在的问题，提出了一些相关的建议。

关键词 农村资金互助社；农村金融；监管

Abstract:The rural mutual cooperatives farmers own bank, meet the demand of rural finance, helping farmers to enrich one's family. But in the development process of rural credit union funds by the size of its capital, scope of business and other constraints, there are many problems in its own development. Be the first to bear the brunt of professional talent is very scarce, can not meet the standardized operation demand, leading to the rural mutual cooperatives exist many non-standard operation problem in itself. In addition to lack of supervision, constitute the rural mutual cooperatives unstable factors. This paper analysis from the specific cases two city Lianyungang, Yancheng rural credit union funds, there are four main problems in the development process. First, financial and legal regulation is not in place. Secondly, the lack of sources of funds. Once again, weak risk control. Finally, tenet is not prominent. At last according to the existing questions in the process of social development of rural mutual funds, puts forward some pertinent suggestions.

Keywords   The rural mutual cooperatives  Rural finance    Supervision