On Perfection Of Legal System Of China's Rural Financial Organization And Innovation

The finance is a modern economy of core. In building up and developing our country's socialism market economy system's process, the rural finance is carrying on turning the excellent resources to adjust with economic structure, exalting economy growth aspects such as quantity and efficiency etc, exerting more and more important function. Especially the new socialism construction of the rural even needs the support of the rural finance.For guaranteeing the financial core function valid in exercising and revolving efficiently, guarding against and dissolving the financial risk, near more than 10 years, under the direct leadership of the central government, the our country sped up the rural system reform and creative steps. However because of the financial system reform of the our country is from top to bottom compulsive type change, the financial system reassignment takes on the color of having the strong planned economy and the administration intervention, resulting in "the finance repress". Then, the late reform also just made the part to adjust on the mechanism, did not carry on the thorough change to the system and the core contents, and caused the rural finance organization's conducts and actions also to present the characteristics of the same. As a part of it, the rural finance also is such. In 1996,《Centre Government Reforms Concerning the Rural Finance's System of the Decision》pointed explicitly to the target, mission, total frame that the rural finance's system of our country will reform . Though having built up state-owned commercial bank as the corpus from the form frame, the rural finance organization's internal mechanism and management makes people feeling more and more perplexities in the actuality.Reasonable finance organization not only is to guard against the financial risk, raise the foundation and premises of the financial efficiency, also is to promote the village economic health and fasten development of important assurance. Whereas, the rural finance law institutional that fall behind require of the rural will become baffling the rural economic development. Therefore, research; investigate the reasonable rural finance law institutional for promoting and keeping on the rural economic development has very important realistic meaning. The article tries to make use of the theories of law and theories related to institutions economics to research: How pass the supply of the law system to promote the village financial organization safely, efficiently.The article consists of the following parts:The first part is on the rural finance organization law institutions of our country. Make the narrow sense of the rural finance organization law institutions. Investigating the process of our country rural financial law institutions change, the author think of our country rural financial law institutions change of more than 20 years as mandatory, administrative changes. Finally point out the characteristic and negative influence of our country rural financial law institutions change.The second part is to analysis the blemish and cause of formation. The current blemish mainly bodies on the singleness of financial organization, maintaining rural financing institution monopolizes etc. The author think that the government s unwarranted intervention, supplying legal system lag with expanding economy and the rural financial market's immature is the main cause of the currently rural financial organization blemish .The third part investigates to the rural financial law institutions of the abroad model. Introduce three models of the United States, Japan and India's rural finance law institutions. We can draw lessons from the experience of the abroad model, economizing the lawmaking costs, raising the quantity and the efficiency of the lawmaking.The forth part is on perfecting and innovating our country's rural finance organization law institutions. This part is divided into three aspects :(1) Argue the proper of perfecting and innovating our country's rural finance organization law institutions. (2) Put forward the principles of perfecting and innovating our country's rural finance organization law institutions that making the law institutions should insist. (3) Put forward concrete suggestions of perfecting and innovating our country's rural finance organization law institutions according to broadening admittance to money market, maturating different forms of rural financing institutions, making rural corporate finance constitutive law, establishing nongovernmental finance institutions legal status ,mending the charging of fixing attention on the rural finance institutions .