Therefore, this paper holds the view that it is not the best option to abolish completely rural credit institution though it exists a few faults to set up the credit association institutions.

因此，文章认为，完全撤消信用代办站并不是一个最佳选择，撤消信用代办站组建信用联站也存在一些缺陷。

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However, Rural Credit Cooperative occurs many problems all the time through its transitions, especially on the Property Rights Institution.

然而，我国农村信用社在制度变迁过程中，其自身也存在不少问题，特别是在产权制度方面。

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Reviews on the transitions of Property Rights Institution of Rural Credit Cooperative in China, and analysis of the characteristics and the problems;

对我国农村信用社产权制度变迁过程进行考察，分析其特征，指出其存在问题；

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