The birthplace of the cooperative credit is Germany. Credit co-operatives as a legal form originated in the late 19th century. Start of mass development of agricultural credit cooperatives and countries associated with the names and work of Friedrich Raiffeisen, Hermann Schulze-Delitzsch and Wilhelm Haas. Raiffeisen founded the first rural credit banks, which were both in the interests of its members trading activities  salal credit union .

Germany currently has a developed system of credit cooperatives, which plays an important role in financing agriculture. Credit cooperation is part of the German Co-operative Union of Raiffeisen. Credit cooperatives, pouring what is called cooperative banks, banking institutions are universal for all small and medium business. But the main purpose of the cooperative banking system is the enterprise development, especially in rural areas.

Today in Germany there are about 2.5 thousand credit cooperatives with more than 14.5 million members and 30 million customers. About 80% of farmers, 60% of artisans, 75% are paederzhatelyami resellers and customers of these organizations. The co-operative banking sector occupies a prominent position in the credit system of the country. It accounts for over 19% of the aggregate balance of all universal banks in the country, 25% of the non-bank deposit customers. The decentralized structure makes it possible to have close contact with customers, provides a flexible business policy and makes decisions on granting loans shorter (20, p. 14).

The task of co-operative banks is to increase the income of its members and to assist in the development of their business. Credit banks provide to their shareholders preferential loans at low interest rates on government funding programs. In addition, some of the co-operative banks are involved in the trade of goods of local production: they engaged in the purchase of agricultural products, marketing of agricultural products and supply agricultural equipment.

Specific conditions in which there are credit unions in Germany, the general principles of their activities, the relevant legal provisions, and special characteristics. General principles of the credit company as an organization created for the joint management of the case, are:

- Mutual, meaning union actors in similar conditions, and financial resources to develop joint efforts of companies and make a commitment to mutual guarantee;
- Self-management, ie founders themselves set and regulate the internal relations of a partnership, thereby protecting it from outside influence. Shareholders are free to determine the structure and competence of the governing bodies of the company, the subject of his business. The effect of a firm rule - one vote when voting company has one vote;

- Mutual responsibility follows from the above and suggests that the members of the credit company shall be jointly and severally liable for the activities of the cooperative;
- Identity, ie established two-way relationship between the shareholder and partnership. On the one hand, it is the founder, co-owner of the partnership, the other - the consumer or user of its activities;
- Voluntary presupposes freedom of the individual decision to assign its obligations and obtaining rights when entering into a partnership;
- Findings suggest that the right to become the founder of credit granted to each company, as recognized legal and statutory provisions on partnerships. It follows that the right parent can benefit from various social groups, both individuals and legal entities;
- Local and regional orientation activities means that the geographical scope of the partnership activity should be limited for the purpose of the most complete account of consumers of its founders;
- Complementarity implies that the partnership in addressing the numerous questions of them for reasons of commercial expediency transfer institutions of other levels  salal credit union .

The effective operation of credit cooperatives in Germany due to the voluntariness of education institutions and credit cooperatives accumulation of financial resources of individuals and entities, the direction of credit cooperation to ensure the most favored to the participants in the credit, billing, counseling, mediation and other forms of service, using the accumulated funds primarily for production purposes as well as government support credit cooperatives.

The emergence of the credit cooperative system in the Netherlands is the end of the 19th century. First local cooperative bank was established in 1896. Later, on the basis of several local banks did the first central bank. The basis of credit cooperatives were the principles of Raiffeisen.

In the Netherlands, the leading role in agricultural lending cooperative owned bank - Rabobank, which accounts for 90% of all loans to the country's agriculture. The system currently includes 60 local Rabobank and one central bank. Local chapters are members of the Rabobank-shareholders. For those wishing to get a loan for the purposes of their professional activities, such membership is mandatory. The supreme governing body of a local bank is the general assembly, which is elected by the Governing Council and the Supervisory Board. Governing Board and appoints the General Manager and his powers. General Manager is responsible for the daily operations of the bank, and periodically report to the Board of Governors. The Board of Governors is to take the most important decisions on investing, lending and loans, exceeding the credit limit recruitment. The Supervisory Board supervises the Board of Governors (24, p. 137).

Community Bank is solely responsible for the efficiency of its operations, credit policy, profitability and good financial position. Shareholders shall be liable in the event of failure of the bank, however, due to the fact that some of the revenue credited to the reserve fund, there is a collective responsibility within the whole structure, so the risks involved are minimal. These banks are direct shareholders and have contacts with Rabobank Netherlands. The central bank controls the solvency and liquidity of the banks: it is entrusted with the banking infrastructure, as well as the financing and provision of other banking services to clients operating at the national or international level  salal credit union .