党的十四大明确了我国经济体制改革的目标是建立社会主义市场经济体制。这一变革也将冲击和影响着农村金融领域,其具体形式就是促使农业银行向国有商业银行转化,参与市场的竞争。经济竞争的实质是人才的竞争,人才竞争的关键又取决于职工科学技术文化教育的高低。尤其在边疆地区,少数民族杂居、职工文化素 The 14th National Congress of the Party made it clear that the goal of China’s economic restructuring is to establish a socialist market economy. This change will also impact and affect the rural financial sector. The specific form is to encourage ABC to transform itself into a state-owned commercial bank and participate in market competition. The essence of economic competition is the competition of talents. The key of talent competition depends on the level of workers’ science, technology and culture education. Especially in the border areas, ethnic minorities, workers culture