According to the requirements of the modern financial enterprise and corporate governance，there is still a big gap in China’s Rural Credit Cooperatives in terms of the management idea，management ability，and financial innovation. Facing the deepening reform of financial system in our country，with stimulation and promotion of interest rate marketization and RMB internationalization，the development of rural credit cooperatives becomes more important and urgent. Based on advantages of increased development of rural credit cooperatives in recent years，the paper analyzes assets structure，customer groups，high-tech networking and development models，which generates a better understanding for its transformation development.