Throughout the world, co-operation has been generated by historical, economic and social causes, the cooperative doctrine representing a set of ideas, principles, values and solutions that interpret, appreciate and guide economic and social reality in a specific way. Since their inception, cooperatives have been a viable alternative to promoting the legitimate interests of disadvantaged segments of the population. With reference to financial institutions, we emphasize that at the European level, cooperative banks successfully compete with commercial banks in financial markets not only locally, but also at regional or national level. At the same time, the establishment of credit co-operatives within the Moldovan consumer co-operation system will be beautiful.