我国合作金融中的政府角色悖论及其法律消解

Paradox of Government's Role in Cooperative Finance and Its Legal Resolution

我国政府主导下的合作金融事业失败同政府角色悖论密切相关,即认为政府应当成为合作金融事业的推动者和严格监管者。合作社的价值、基本原则和特征决定了政府在合作金融发展中的角色定位应当是促进时的间接政府和监管时的有限政府。促进时的间接政府要求建立合作社教育、财税支持、内部自定存款利率、反垄断法适用除外等法律制度;监管时的有限政府则要求缩小政府监管的范围并在监管中体现有限性。为有效防控合作金融风险,合作金融的政府有限监管制度也需要相关法律制度的配套。

The failure of our cooperative finance enterprises which led by government is closely connected with the paradox of the government＇s role,which means that the government should become cooperative finance enterprises＇ propellent and strict supervisor.According to the value,cardinal principles and characters of cooperative,the position of government＇s roles in cooperative finance should be as follows：an indirect government at the time of promotion of cooperative finance and a limited one at the time of financial surveillance.The first role needs such legal systems as cooperative education,financial support,interior market interest rate and exemption from the anti-monopoly law.The second role demands that the government surveillance＇s area should be reduced and limited.At the same time,in order to prevent and control financial risk efficiently,limited government surveillance system of cooperative finance also needs assistant from related legal systems.