新形势下农村合作金融法律规制的完善对策

Improving the Legal Regulation of Rural Cooperative Finance under the New Situation

新形势下我国农村合作金融的法律规制存在立法理念滞后、法律体系不完善和法律制度执行力较弱等问题。从历史与实践角度探索国外成功经验发现,国外普遍充分重视法律对农村合作金融的保障作用,坚持“合作制”的立法理念,不以营利为目标,不断完善与农村合作金融风险分担和补偿机制相关的法律体系,积极构建符合本国特色的农村合作金融法律监管制度。有鉴于此,我国农村合作金融法律规制建设应贯彻普惠金融的立法理念,不断完善与内部治理结构相关的法律体系,实施差异化的法律监管制度。

Under the new situation,there are some problems in the legal regulation of rural cooperative finance in China,such as the lagging legislative idea,the imperfection of legal system and the weak enforcement of legal system.Referring to the foreign successful experience from the perspectives of history and practice,it is found that foreign countries generally attach great importance to the legal protection of rural cooperative finance,adhere to the legislative concept of "cooperation",refrain from profit-making,constantly improve the legal system relating to the risk sharing and compensation mechanisms for rural cooperative finance,and actively build the legal supervision system for rural cooperative finance in line with their own characteristics.Thus,the legal regulation of rural cooperative finance in China should follow the legislative concept of inclusive finance,constantly improve the legal system for the internal governance structure,and implement a differentiated legal supervision system.