摘要：农村信用社是中国金融体系的一部分，近年来，我国农村金融体制发生了深刻的变革，农村信用社的历史包袱也在逐步化解。农信社改革必须根据当地经济发展水平，因地制宜，采取符合当地特点的组织形式，江苏省农信社作为改革试点之一，尽管发展迅速，但在改革的过程中也暴露了一些问题。

　　　本文以常州地区农信社改制而成的江南农村商业银行为例，结合常州地区的经济发展特点，从总资产的变化和股权结构变化出发，指出农信社改制后作为商业银行在风险管理方面存在的问题和面临的挑战，最后对风险管理提出解决方案，对未来发展提出建议。

关键词：农信社  改制  江南银行  风险管理

Abstract:Rural Credit Union is one part of Financial system of China. The country’s rural financial structure experienced significant changes in recent years. The burden of rural financial organization has being lessened. Rural Credit Union should be reformed according to local economic development and change to a form that adapts to local features. As one of the reform experimentations, Jiangsu explodes some problems to be solved in its reform as it quick developed.

　　　The essay takes Jiangnan Rural Commercial Bank in Changzhou as an example to find out what challenges Rural Credit Union did meet in risk management and what future uncertainties it will have after the reform. This is going to consider the specialty in Changzhou’s economic status quo, starting from its huge changes in shareholder modification as well as changes in total assets, ending up with some solutions to risk management and some advices to its future development.

Key word:  rural credit union   reform   Jiangnan rural commercial bank   risk management

　　　本文以江南银行为例，在第二章探讨江南银行特殊的改制方式的良好的外部条件，以及增资扩股时银行在股权结构和总资产的具体变化和采取的措施，使自身条件达到成为商业银行的要求。第三章主要内容为农信社改制后风险管理现状和存在的问题，并且综合了各方因素分析问题存在的原因。最后在第四章，针对不同的风险管理提出解决方法，从客观和主观提出农信社未来发展建议。本文的目的在于研究全国首例以地（市）级为统一法人的农信社改制案例，为农村金融机构改革积累经验。