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法国农业信贷银行是法国互助合作性质的半官方的农业信贷机构，是法国最大的银行，资本额近1000亿美元。它创建于1920年8月，是在法国地方信贷合作公司和地区金库的基础上建立的，原称“国家农业信贷管理局”，1926年又改称为“国家农业信贷金库”，1947年改称现名。总行设在首都巴黎。

1885年，法国农民为解决短期资金周转问题，建立了互助性质的农业信贷地方金库。1920年，法国政府设立了国家农业信贷管理局，1926年改名为国家农业信贷金库。法国农业信贷银行的结构呈金字塔形，底层是3009个地方金库，中间是94个区域金库（每省1个），上层是国家农业信贷金库。国家农业信贷金库是官方机构，是联系国家和农业互助信贷组织的桥梁，受法国农业部和财政经济部的双重领导。

法国农业信贷银行是一家互助公司，既是一家在金融、商业和法律上统一但决策分散的集团，也是一家拥有三层组织结构的合作集团。CNCA是农业信贷银行的中央银行机构，是集团管理和监督的核心，其主要股东是48家地区性银行。地区性银行旗下的2672家分行（全法国）也是地区性银行的主要股东。地区性银行和集团关系通过协调机构FNCA进行。

参与制订国家农业信贷方面的政策；控制和协调各区域金库的业务；具体管理各区域金库多余的资金；通过下属机构发行短期库券和长期债券，为区域金库发放中、长期贷款提供资金便利；自己发放长期贷款和办理国家信贷业务等。

法国农业信贷银行最初资金来源于法兰西银行的贷款，以后自己吸收存款和发行债券所筹集的资金越来越多，大大超过本身发放贷款的需要。

The French agricultural credit bank is a semi official agricultural credit institution in the nature of mutual assistance and cooperation in France. It is the largest bank in France with a capital of nearly 100 billion US dollars. It was founded in August 1920 on the basis of French local credit cooperation companies and regional Treasury. It was originally called "national agricultural credit administration", renamed "national agricultural credit treasury" in 1926, and renamed as the current name in 1947. The head office is located in Paris. In 1885, in order to solve the problem of short-term capital turnover, French farmers established a mutual aid local treasury of agricultural credit. In 1920, the French government established the national agricultural credit administration, which was renamed the national agricultural credit Treasury in 1926. The structure of the French agricultural credit bank is pyramid shaped, with 3009 local coffers at the bottom, 94 regional coffers in the middle (1 for each province), and the national agricultural credit coffers at the top. The national agricultural credit vault is an official institution, a bridge connecting the state and agricultural mutual credit organizations, and under the dual leadership of the French Ministry of agriculture and the Ministry of Finance and economy. Credit Agricole is a mutual aid company. It is not only a group with unified financial, commercial and legal decisions but also a cooperative group with three-tier organizational structure. CNCA is the Central Bank of agricultural credit bank and the core of group management and supervision. Its main shareholders are 48 regional banks. 2672 branches of regional banks (all over France) are also major shareholders of regional banks. Regional banking and group relationships are conducted through the coordinating body fnca. To participate in the formulation of national agricultural credit policies; to control and coordinate the business of regional Treasury; to specifically manage the surplus funds of regional Treasury; to issue short-term treasury bonds and long-term bonds through subordinate institutions, so as to provide financial facilities for regional Treasury to issue medium and long-term loans; to issue long-term loans and handle national credit business. At first, the capital of Credit Agricole originated from the loan of Bank of France. Later, more and more funds were raised by the bank itself to absorb deposits and issue bonds, which greatly exceeded the need of its own loan.

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