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The countryside credit association reforms the success or failuredirectly relates the agriculture and the rural economy is stable andthe development. At present, the countryside credit associationdevelops existence very many questions, prominently displays in: Threeagricultural contradictions, the monitoring and internal government isimperfect, historical cloth wrapper as well as scale efficiency andregion limit and so on. Proposed the reform three kind of patternschoice based on above question this article: Persisted cooperates thesystem, the establishment joint stock system countryside commercialbank as well as completes the stock cooperation system the ruralfinance enterprise, these pattern as circumstances permit reasonableuses. This article also pointed out that, the countryside creditassociation took rural finance the main army, the critical timecountryside is stable the general situation which, the rural economydevelopment and the farmer additionally receives, the countryside