村镇银行建立之后，农信社面临的挑战首当其冲。银监会5月22日发布的《村镇银行监管意见》指出：要把村镇银行真正办成以服务“三农”为宗旨、具有可持续发展能力的农村社区性银行。由此可见，对于村镇银行，农信社想不把它当成竞争对手都不行。
　　然而，农信社在成为农村金融主力军的同时，也基本是农村金融市场的垄断者，由于缺乏外部竞争压力，造成了对农村金融需求的“感应迟钝”。
　　当然，还有更多的农信社已经意识到了竞争时代的来临，开始采取措施直面竞争。记者对甘肃几家农信社的采访表明了这一点——
　　面对村镇银行竞争，西峰联社着力纠正部分员工存在的盲目乐观、妄自尊大思想，积极主动营销存贷款。同时，进一步深化改革，改善经营机制，加强人事制度改革，按照“三定” 工作方案，对农信社主任、联社部门经理及信贷员进行了竞聘上岗；进行薪酬改革，实行下不保底、上不封顶的绩效考核，充分调动员工的工作积极性。为提高竞争力，留住黄金客户，他们还创新金融产品，根据当地实际及时推出了微小企业贷款业务，发放的对象主要是辖区内的个体工商户、法人企业和其它经济组织，贷款金额从3000元至50万元不等，实行按月等额还本付息。从6月12日小企业信贷部开始办理业务以来，已发放贷款110多万元。
     与西峰毗邻的庆城县联社从容面对近在咫尺的竞争。他们按照“逐户摸底，建立农户资信档案；统一标准，评定农户信用等级；根据实际，合理确定贷款额度；简化手续，落实信用户优惠政策“的程序，规范放贷，哪里农民缺资金，信贷员就深入到哪里，调查摸底发放农户小额信用贷款，与农民们打成一片，做农民致富奔小康的“活财神”。靠支农出效益，靠支农降风险，靠支农树形象，正是坚持这样的经营思路，庆城县联社连续九年实现24家农信社社社盈余。
　　离设立村镇银行的平凉和庆阳还有一段距离的静宁县联社则未雨绸缪，致力于金融创新和提高服务质量。他们坚持“三农”取向，改进服务方式，把农信社办成“农民的银行、农村社区的银行和零售银行” ，确立信贷新投向，实现“三个转变”：信贷支农从支持传统农业向支持现代农业转变，从支持传统农民向支持现代农民转变，从支持传统农村向支持新农村转变，紧跟新农村建设需要，拓展基础性信贷产品，扩展服务对象，并提高贷款额度，由原来的最高1万元提高到3万至5万元，适当调整贷款期限，改变过去“春贷秋收冬不放”的传统观念，帮助更多的农民脱贫致富。
   
     问题与境遇

     农村有大市场，但农村金融需要不一样的商业模式，村镇银行能在一定程度上补充农信社服务的不足。
   采访中，记者了解到，村镇银行做农村的小额信贷业务，面临不少困难。首先，贷户比较分散，因此贷前调查难，而且成本高。比如一个农民贷款1万元搞小型运输，信贷人员要走三、四十公里去落实资料，亲自找担保人、抵押人做调查，成本比较高。其次，养殖业、种植业风险比较高，农民贷款提供担保和抵押物难，即使有，手续也很不完善。同时，农民贷款与企业贷款不同。农民是最讲信用的，但是否有风险实际上要看他的信用能力，而不是信用本身——当农民有能力还贷时，他一定会还；但如果他没有能力还，那么他再讲信用也是还不上。所以，关键是要提高农民的信用能力，而这个能力的具备需要一个漫长的过程。
　　“不缺信贷，缺农贷；不缺资金，缺机制；不缺服务，缺竞争；不缺机构，缺人员。”平凉银监分局的李金萍和李志忠这样评价当前农村金融机构及其服务的现状。农信社一线工作人员奇缺。农信社全市机构206家，工作人员仅有863人，剔除联社及各分支机构管理人员，实际工作人员一家机构平均不到4人，造成一线工作人员奇缺，一线信贷人员一般仅1到2人，应付日常上门办理贷款业务都应接不暇，根本无法进村入户办理支农贷款和收贷收息。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
　　他们认为：农信社要提高竞争能力，除了应适当增设机构，提高机构覆盖率，拓功能、强服务，迅速改变只能提供存、贷、汇“老三样”的局面，增加服务品种，提升结算手段，满足多元化的农村金融服务需求，当务之急就是要合理增加农信社信贷经营人员，打造一支能够适应激烈市场竞争的高素质的经营团队。
　　无论如何，新生的村镇银行既是农信社的竞争对手，更是农信社的合作伙伴。既有竞争又有合作的两家机构共同服务三农，必将造福于最广大的农民，必将促进中国涌现出越来越多像尤努斯那样的“穷人的银行家”。
       
　　背景声音：
　　2006年12月22日，银监会发布了《关于调整放宽农村地区银行业金融机构准入政策更好支持社会主义新农村建设的若干意见》。紧接着，《村镇银行管理暂行规定》、《村镇银行组建及审批工作指引》等规定陆续出台。
　　5月22日，银监会又印发了《关于加强村镇银行监管的意见》。《意见》要求，加强对村镇银行资本及其充足率监管，督促村镇银行建立资本约束、评估、补充和纠正机制，鼓励村镇银行持有高于最低资本充足率要求的资本。银行业监管机构要设置资本充足率“预警线”，当村镇银行的资本充足率接近预警值时，要及时提示，督促村镇银行启动资本补充和控制风险资产机制，防止资本充足率下降到8％以下。

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