Research On The Legal Institution Of Rural Finance Cooperative Market Access

Rural Finance is the core of the modern rural economy, accelerate the development of rural finance can be an effective solution to the problem of financial supply in rural areas.The development of rural finance can make a good and rapid growth of the rural economy and society, promote rural and agricultural modernization process, improve the income level of farmers,eventually make an important means to achieve all-round prosperity in rural areas. The Party Central Committee has always been attached great importance to the "three rural" issue, according to the social and economic development in the new situation and the new case, eliminate defects of the rural financial system and push the new, deepening reform of rural financial system, establish a modern rural financial system with continue exploring.The Rural finance cooperative is a breakthrough to solve this problem in the exploration process.Healthy and rapid development of the Rural finance cooperative need a adaptation and comprehensive security system, one of the most important step is the construction of market access.However, with the rapid development of Rural finance cooperative in recent years, it gradually shows a series of questions; such as the access and operation of the Rural finance cooperative is too much intervention, the registered capital requirement is too high and the folk capital attitude is too conservative.These standards severely hampered the development of Rural finance cooperative. To solve these problems, the most fundamental is to establish reasonable and perfect access system.Since the recognition of national legal form,Rural finance cooperative has been widespread concern, farmers also have great hopes of the union. From the realistic point of view, the development of Rural finance cooperative is not smooth, and even arrested development, the fundamental reason is the establishment of Rural finance cooperative that need high standards,more requirements and complicated procedures, these do not match the actual requestments that seriously restrict its development.Rural finance cooperative in our real government regulators recognized only then dozens,and most of the initiative to set up in rural areas are not recognized by the regulatory authorities, become illegal financial organizations, these conditions have to cause our thinking.So it is necessary to study the legal system of Rural finance cooperative market access to prepare for the perfect relevant access system and put free from the edge of the cooperative system into the system management scope. Study on market access system of Rural finance cooperative,first Speaking from Rural finance cooperative market access overview,this part is mainly defined Rural finance cooperative market access system, indicating the significance of the establishment of the market access system, and then analyze the theoretical basis of the need to establish a Rural finance cooperative market access system.Followed by the status and problems of China’s Rural finance cooperative market access issues is studied, describe the current situation of the legal system of Rural finance cooperative market access,and analysis the problems of the union market access regimes,Such as:imperfect laws and regulations, the promoters of eligibility, the registered capital is too high, agency management and personnel ect. The third is analysis the cooperative financial system of three representative countries of Bangladesh, the United States, Japan. After the analysis and make the summarize of these three countries experiences and learn from them. Finally, suggestions to improve the Rural finance cooperative market access system.Such as:improve the laws and regulation of the market access system, perfect the corresponding access standards and the establishment of relevant supporting implementation etc.