农村资金互助社运营中的金融消费者权益保护分析

Analysis on the Protection of Financial Consumer’s Rights and Interests in the Operation of Rural Funds Mutual-aid Cooperatives

基于农户联合、解决自身金融需求的农村资金互助社,是农村普惠金融的重要实现形式。然而,我国农村资金互助社发展受限,合作金融功能弱化,农村金融消费者权益受损,都影响普惠金融目标的实现。本文基于集体行动逻辑和公共物品私人供给模型,探讨资金互助组织集体行动达成的困境和实现条件,分析了农村资金互助社运营过程中社员的共益权、自益权和救济权的内容及其实现情况,揭示了由于资金互助社发展过程中自身蕴含公平与效率的矛盾,进而影响到农村金融消费者权益和普惠金融目标的实现,提出不仅需要完善资金互助社自身制度安排、协调异质性社员的利益关系,还需要政府提供政策资金支持、明确权力边界、完善监管制度,促进资金互助社运营中农村金融消费者权益保护的实现。

The rural funds mutual-aid cooperative,which is based on farmers’union and solution to their financial demands,is an important form of rural financial inclusion.However,the development of rural funds mutual-aid cooperative is limited,cooperative financial function is weaken,and the rights and interests of rural financial consumer is damaged,which affect the realization of financial inclusion.Based on the logic of collective action and the model of private supply public goods,the article discusses the collective action’s dilemma and construction conditions of mutual financial organization,and analyses the contents and realization of the common right,self-right and relief right.The result reveals that the contradiction between fairness and efficiency existing in the development of rural funds mutual-aid cooperatives affects the realization of rural financial consumers’rights and interests and financial inclusion.The article suggests that it is necessary not only for the funds mutual-aid cooperatives to improve the institutional arrangement and coordinate the interests of heterogeneous members,but also for the government to provide policy and financial support,clarify the power boundary and improve the supervision system,so as to achieve the rural financial consumers’rights and interests in the operation of the funds mutual-aid cooperatives.