Legal Problems Of The Rural Mutual Cooperatives

Rural finance is an important part of the rural economy, is one of the key problems. Inorder to continuously promote the rural economy healthy and rapid development, thegovernment introduced a number of supportive policies, reducing the rural financial agenciesaccess standards, the rural financial institutions increasingly include rural mutual cooperativesemerged. In recent years, gradually developed rural mutual cooperatives, as a branch of ruralfinancial organizations, for the development of the rural economy, has played an effective role.Then active the rural financial market, effectively solved the difficult problem of funds.This paper is divided into five chapters. The first chapter is the introduction of this article,including the significance of the topic, research status etc..The second chapter discusses thebasic theory of rural mutual cooperative, the legal definition, characteristics, and other typesof institutions and contrast analysis. Expounds the necessity of existence of rural mutualcooperatives the new type of rural financial institutions, plays an important role in thedevelopment of rural financial market. The third chapter is about the analysis of the domesticand foreign rural cooperative financial organization. Through similar organization research inGermany, America, Japan’s mode of operation and supervision mechanism, and summarizesthe existing problems, and through the study of system of these countries, to learn theirsuccessful experience. The fourth chapter is on China’s existing rural mutual cooperativesanalysis. Our ever existed rural foundations and similar organizations, but eventually quit thestage of history, through the analysis of failure cases and foreign success stories, findimperfections of the existing system.Finally, the fifth chapter puts forward the idea of the establishment of China’s ruralmutual cooperative legal system. The analysis of the existing rural capital support, needrelevant legislative norms in our country at present. But our cooperation in finance legislationmust be adapted to our country national condition, this for the legislation of legislative idea,legislative principle, the specific legislative proposals and related supporting measures such asAngle proposed his own ideas. Because of our country’s rural mutual cooperatives is still atthe beginning of the development of hardware, software, the conditions are not standardized, so our country should continue to regulate the introduction of relevant laws. This papercombined the existing "interim provisions", for the rural capital access and exit system,deposit a support system, credit system, organizational structure, risk prevention, legal,regulatory, legal responsibility and so on are discussed.