农村资金互助社实践中的法律风险分析

Risk Analysis on the Practice of Rural Credit Union Funds

农村资金互助社作为微型金融组织面临潜在的法律风险,诸如机构设立,主体管理、内部治理及监管等。因其缺乏法律法规规定或者规定不明确,导致一些金融活动无章可循,市场秩序混乱。因而加强相关法律法规建设,完善组织治理结构、规范组织运营,建立担保与信用制度,加强组织监管与金融生态环境建设,防范各种金融法律风险是理性的选择。

As a micro-finance organizations, rural credit union funds are facing potential legal risks, such as irregular financial activities, market disorder caused by the lack or ambiguity of regulations in the process of the funding, management, internal governance and supervision, etc. So, it is reasonable to strengthen the making of laws and regulations, improve the organizational management structure, regulate the operation of the organization, establish credit guarantee systems and strengthen the organizational supervision and the building of financial ecological environment.