The main functions of provincial credit cooperatives are: to formulate the reform and development plan of rural credit cooperatives in the province and organize its implementation; Formulate industry self-discipline management system and supervise its implementation; Guide rural credit cooperatives to improve corporate governance structure, establish standardized and effective management mechanism, improve internal control system, innovate service methods and expand new business areas; Organize the construction and management of electronic and integrated business networks and provide information consulting services; Guide and urge rural credit cooperatives to elect directors, supervisors and employ key management personnel according to law, and be responsible for the examination and nomination of directors (chairmen) and presidents of rural credit cooperatives and rural cooperative banks; Responsible for organizing and guiding the staff training of rural credit cooperatives in the province; Organize fund adjustment and financing among rural credit cooperatives, handle or represent capital settlement and settlement business of rural credit cooperatives, participate in the capital market and finance rural credit cooperatives; Coordinate the relationship between relevant parties and safeguard the legitimate rights and interests of rural credit cooperatives. Provincial Association does not specifically engage in deposit and loan business.

According to the needs of performing its functions and developing its business, the Provincial Association has set up internal organs in accordance with the principle of streamlining and high efficiency. Set up internal institutions such as office, human resources department, financial accounting department, business management department, audit department, supervision and safety department, science and technology information center, and set up directly affiliated units such as fund settlement service center.