It's concluded that the supply and demand of China's rural financial institution is imbalanced and farmer mutual financing organization is one of the directions of the institutional change.

我国农村金融制度供求不均衡，农民资金互助组织是制度变迁的方向之一。

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In case of any rural financial institution failure, deposits of farmers will suffer the loss, the interests of middle or small depositors will be impaired and social instability may concern.

一旦农村金融机构倒闭，农民的储蓄存款面临损失，将会影响到更多的中小存款人，可能导致更大的社会不稳定。

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Established in this proposition and based on modem theory of financial intermediary, this paper discussed and analyzes on historical logic of vicissitudes in Chinese rural financial institution.

立足于这一研究命题，基于现代金融中介理论，对我国农村金融机构变迁的历史逻辑进行了分析研究。

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