对我国农村土地银行法律制度的反思

Reflection on the Legal System of China's Rural Land Banks

从经济学、博弈论和比较法视角诠释我国农村土地银行的建立和运行。我国农村土地银行在发展过程中存在不少缺陷,如法律性质不明确、组织机构模式不统一、功能定位残缺、业务开展存在法律障碍、资金来源缺乏、收益与风险配置不合理等。鉴此,建议应当采取以下措施:明确农村土地银行的法律性质、设计合理的组织机构、准确界定功能定位、消除限制业务开展的法律障碍、拓展资金来源渠道、建立利益平衡和风险共担机制。

T he article analyzes our country＆#39;s rural land banks＆#39;construction and operation from the per-spective of economics ,game theory and comparative law .During the process of our country＆#39;s rural land bank development ,there exist such defects as unclear legal nature ,non-uniform model of structural organ-ization ,inaccurate orientation of function ,legal obstacles to business operations ,lack of funding sources , and unreasonable benefits and risk allocation mechanism .Therefore ,we should take the following coun-termeasures ：clarify the legal nature ,design reasonable organization model ,define the function orienta-tion ,eliminate the legal barriers to business operations ,expand sources channel of fund ,and establish in-terests balance and risk-sharing mechanism .