农村金融联结风险与法律规制:问题与对策

Research on Risk and Legal Regulation of Rural Financial Linkages:Issues and Countermeasures

农村金融联结作为金融支农的重要手段之一,与农村经济发展的实际需求相契合。我国农村金融联结中面临着模式风险、契约风险和信用风险等诸多亟待解决的问题,同时农民贷款难、流程繁杂的现象也长期存在。问题的根源在于农村金融联结相关法律的滞后性、风险监管制度的不健全,以及农村信贷体系和担保制度的不完善。因此,制定相关法律、规范农村金融联结合同条款、建立健全农村信用体系、完善法律监管制度等举措对于保障农村金融联结的健康有序发展具有重要意义,并可为我国农村金融联结的健康发展提供参考。

Financial support for agriculture plays a crucial role in the development of China’s rural economy.Rural financial linkage,as one of the important means of financial support for agriculture,aligns with the actual needs of China’s rural economic development.However,China’s rural financial linkage still faces many urgent problems,such as model risk,contract risk,and credit risk,while the phenomenon of difficult rural loans and com-plicated processes has long existed.The root cause of these problems lies in the lag of relevant laws related to rural financial linkage,the insufficiency of risk supervision systems,and the imperfection of rural credit and guarantee systems.Therefore,measures such as formulating relevant laws,standardizing contract terms for rural financial linkage,establishing sound rural credit systems,and improving legal supervision systems are of great significance to ensure the healthy and orderly development of rural financial linkage,and proposing corresponding legal policy suggestions.