地方农商行是农村金融机构的一种重要形式，主要服务于当地的农业和农村经济发展。它们通常是由地方政府、企业和个人共同出资组建的，具有独立的法人地位和自主经营权。

地方农商行的性质可以概括为以下几个方面：

首先，地方农商行是地方性金融机构，主要服务于当地的农业和农村经济发展。它们通常在当地开展业务，为当地的农民和企业提供金融服务，如存贷款、转账、理财等。

其次，地方农商行是合作制金融机构，具有独立的法人地位和自主经营权。它们通常是由地方政府、企业和个人共同出资组建的，股东大会是最高权力机构，董事会和监事会负责日常经营和监督。

此外，地方农商行也是政策性金融机构，承担着推动当地农业和农村经济发展的重要任务。它们通常会得到政府的政策和资金支持，同时也需要承担一定的社会责任，如支持当地的小微企业和农业发展等。

总的来说，地方农商行是一种集服务性、合作性和政策性于一体的地方性金融机构。它们在推动当地农业和农村经济发展中发挥着重要的作用，是促进地方经济社会发展不可或缺的力量。

英文对照阅读：

Local rural commercial banks are an important form of rural financial institutions, mainly serving local agricultural and rural economic development. They are usually jointly funded by local governments, enterprises, and individuals, with independent legal personality and independent operation rights.

The nature of local rural commercial banks can be summarized in the following aspects:

Firstly, local rural commercial banks are local financial institutions that mainly serve local agricultural and rural economic development. They usually conduct business locally, providing financial services such as deposit and loan, transfer, wealth management, etc. for local farmers and enterprises.

Secondly, local rural commercial banks are cooperative financial institutions with independent legal personality and independent operation rights. They are usually jointly funded by local governments, enterprises, and individuals, with the shareholder assembly as the highest authority body, and the board of directors and board of supervisors responsible for daily operation and supervision.

In addition, local rural commercial banks are also policy financial institutions that bear the important task of promoting local agricultural and rural economic development. They usually receive government policies and financial support, but also need to undertake certain social responsibilities, such as supporting local small and micro enterprises and agricultural development.

In general, local rural commercial banks are a kind of local financial institutions that integrate service, cooperation, and policy. They play an important role in promoting local agricultural and rural economic development, and are an indispensable force for promoting local economic and social development.