农村居民融资法律问题研究——以福建农村“标会”为视角

A Legal Study of the Financing of Rural Residents——from the Perspective of "Civil Bidding" in the Rural Areas of Fujian

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。

Civil bidding is a kind of financing behavior with long history based on non-governmental credit. It prevails widely in the southeast coast of China, especially in the rural areas. On the one hand, civil bidding exhibits dual functions of financing and earning interest for the rural residents; on the other hand, because of the difficulties of management and control, civil bidding may easily bring negative consequences and destroy the financial order in the rural areas. At present, China should establish legal regulations for civil bidding and promote the process of financial system reform in the rural areas.