农村资金互助社的融资困境及其法律对策研究——兼评《农村资金互助社管理暂行规定》

Study on Financing Difficulties and Legal Countermeasures for Rural Fund Mutual Cooperatives——With Comment on the Temporary Management Regulations of Rural Fund Mutual Cooperatives

农村资金互助社伴随着农业发展资金融通的需要应运而生,拓宽了农业发展资金来源的渠道,完善了我国农村金融体系,使民间金融走向正规金融的发展路径,但是其自身却因资金融通渠道不畅通而遭遇发展的困境。克服这一困境,在法律法规以及政策的保障下为农村资金互助社的发展寻找更加广泛的融资渠道,是目前急需解决的问题,也是解决"三农"问题,为"三农"发展提供资金支持的需要。

The rural fund mutual cooperatives appear to meet the need for agricultural development financing.It has broadened the financing channel for agricultural development and improved the rural financial system as well,making non-governmental financing develop as formal financing on the right track.However,rural fund mutual cooperatives have their own difficulties for poor financing themselves.To overcome the difficulties,it is an urgent need to expand the financing channels for rural fund mutual cooperatives under the framework of laws and policies.This is also the need for developing and providing financing support for rural issues concerning agriculture,countryside and farmers.