农村中小金融机构应从发展战略、经营理念、增长方式、经营模式、内控管理方式和金融服务模式等六个方面自我革新,在自我革命中领跑市场利率市场化后,首先受到冲击的是与大银行走同质化竞争之路的中小银行。“与其让别人来革我们的命,不如我们革自己的命。”农村中小金融机构应从以下六个方面谋求改革突破,以“自我革命”领跑市场。转变发展战略,由同质化竞争向差异化发展转变。一是客户定位差异化,寻找被大银行所忽视的小客户、小市场,一旦找到即给予充分重视,使之成为农信社真正的大客户、大市场。二是产品定位差异化,在“精”字上下工夫,发挥 Rural small and medium financial institutions should innovate themselves in six aspects: development strategy, business philosophy, growth mode, business model, internal control management mode and financial service mode. In the self-revolution leading market interest rate market-oriented, Small and medium-sized banks that follow the path of homogenous competition. “Instead of letting others to change our life, we should reform our lives.” Rural small and medium-sized financial institutions should seek breakthroughs in the following six areas and lead the market with “self-revolution.” Change the development strategy, from homogeneous competition to differentiated development change. First, the differentiation of customer orientation, looking for the big banks ignored by small customers, small markets, once found that give full attention to make it a true RCCs big customers, big market. Second, product differentiation, in the “fine ” word work hard to play