The Research Of China's Rural Financial Legal System

Reform and opening up 30 years after China's rural financial system reform, financial organization system has improved constantly, gradually expand the scope of financial services to promote agricultural and rural economic development in China has made important contributions.But with the deepening of reform, China's rural financial system is gradually exposed some shortcomings, this article from the history of China's rural financial reform, points out that the existing rural financial development of the main problems and reasons for these problems, and rural finance foreigninvestigation and analysis of the legal system in this basis, China's rural financial institutions for specific defects and the practical needs of the rural financial reform, put forward a sound legal system, rural financial path.This article is divided into four parts:Part one introduces the three years of China's rural financial reform and development process and the results achieved, and summed up the rural financial system reform to promote diversified development of rural financial institutions, rural financial service system to promote the gradual improvement and market driven features.The second part of the proposed rural finance problems in the legal system: the existing legal normative documents of low rank, the legal status of rural policy bank is not clear, the absence of private financial laws, agricultural insurance, the lack of legislative support, lack of rural finance loan guarantees the rule of lawspecification, backward rural financial supervision and regulations.The above problems are essentially corresponds to the lack of relevant legal system, so there was an elaborate legal system of rural finance actual needs.The third section describes the United States, France, India, Japan, Bangladesh and other foreign legal systems, rural finance, rural finance and foreign legal system a comparative study of successful legislation.Part IV of the above observation and analysis, should learn from the success of rural finance legislation abroad, by improving the rural financial legislation and the ranks of the rural cooperative financial policy to be clear financial and legal norms, establish a sound legal framework for private finance,agricultural insurance, the legal system, legal system, rural financial security and rural financial regulatory system path to further improve the legal system of rural finance.