农村居民融资法律问题研究——以福建农村“标会”为视角

A Research on the Legal Issue of the Financing of Rural Residents——In Perspective of the BiaoHui in the Rural Areas of FuJian Province

标会是一种具有悠久历史的民间信用融资行为,广泛流行于我国东南沿海地带,农村地区尤其盛行。一方面,标会具有为农村居民筹措资金和赚取利息的双重功能;另一方面,由于管控难度大,标会也容易造成破坏农村金融秩序等不良后果。当前,我国应当尽快设立有关标会的法律规范,加快农村金融体制改革的进程。

BiaoHui is a kind of nongovernmental credit financing of long history, widely popular in China＇s southeast coastal areas, especially prevalent in rural areas. On the one hand, it is provided with financing and interest earning for rural residents. The other hand, because of difficult to control, it is likely to cause damage and other adverse consequences of rural financial order. At present, China should set up the legal norms of BiaoHui as soon as possible and promote the reform of rural financial system.