农村合作金融问题法律探究

Probe into the Rural Cooperative Finance from the Legal Point of View

通过实证分析法和对比分析法等研究方法,对农村合作金融进行法律探究,我国农村合作金融存在:立法层级低、立法滞后、监督不足、农村信用社变味、法人结构治理缺失、政策性金融组织支持力度不足以及互联网+农村合作金融缺乏法律引导等问题。结合国外发达国家在农村合作金融领域立法先行经验,我国需要加强顶层立法工作、成立外部审查机构、农信社要回归社会性、非市场属性、确立完善的产权制度、整合各种农村合作金融资源以及加强立法对互联网+农村合作金融引导。

Through empirical analysis and comparative analysis,this paper has explored the law of rural cooperative finance.There are several problems in rural cooperative finance:low level of legislation,lagging behind in legislation,inadequate supervision,the deterioration of rural credit cooperatives,the lack of corporate governance,inadequate support from policy financial organizations,and lack of legal guidance in Internet plus rural cooperative finance.Combined with the legislative experience of developed countries in the field of rural cooperative finance,China needs to strengthen top-level legislation,establish external censorship institutions,and rural credit cooperatives to return to social and non-market attributes,establish a sound property rights system,integrate various rural cooperative financial resources,and strengthen legislation to guide Internet plus rural cooperative finance.