Research On Legal Issues Of Sustainable Development Of The Rural Fund Mutual Cooperative

China’s economic development has entered a period of new normal,urgently needed to solve the problem of effective supply of rural finance. This year’s Document NO.1 of the Central Government is put forward to promote the reform of the rural financial system, actively explore an effective way for the development of the new type of rural cooperative finance, and promote the development of rural inclusive finance. At present, as a typical representative of the new type of rural cooperative finance, the sustainable development of the rural fund mutual cooperative can effectively relieve the contradiction between sup ply and demand of rural finance. However, since the establishment of the rural fund mutual cooperative is always faced with such problems as small scale, fewer. Because the law has an important role on the development of financial, so under the background of the age of the rule of law, research the sustainable development of the rural fund mutual cooperative problem has important significance.In order to promote the sustainable development of the rural fund mutual cooperative, this study first to sort out the basic theory of the sustainable development of the rural fund mutual cooperative. Based on the analysis of the definition 、characteristics and types of the rural fund mutual cooperative. Expounded the connotation and requirement of the sustainable development of the rural fund mutual cooperative, and analysis the necessity and feasibility of sustainable development of the rural fund mutual cooperative. Using the theory of sustainable development, market regulation theory, the theory of financial development rights of farmers, inclusive finance theory, incomplete market competition theory as the theoretical basis for research.Secondly, analyzing the current development of the rural fund mutual cooperative. By summarizes the basic situation of the development of the rural fund mutual cooperative, analyzing the current development of the rural fund mutual cooperative, including market access, market exit, internal governance, financing, regulation and risk prevention. On this basis, the analysis of legal problems of the sustainable development of the rural fund mutual cooperative, mainly include the market access threshold is too high, the market exit mechanism is not sound; the internal governance structure is imperfect, the financing channel is too narrow; the financial regulatory system is very rigid, the risk prevention measures is too single.Thirdly, investigate the typical national legal system of rural cooperative finance. Through investigate the United States, Germany, Bangladesh and Indonesia of the four countries in the development of rural cooperative finance practice, analysis of each country’s legal system of rural cooperative finance. On this basis, for the sustainable development of China’s rural fund mutual cooperative provide a useful reference: perfect rural financial legal system, government fiscal and taxation support, innovation management system.Finally, put forward the countermeasures to solve the legal problems existing in the sustainable development of the rural fund mutual cooperative. First, establish the basic principles of the sustainable development of the rural fund mutual cooperative, including cooperative principle and the principle of the protection of financial interests of farmers; second, insist on "giving more, taking less and loosening, growth-promoting" principle, to promote rural fund mutual cooperative should increase financial support for sustainable, less the operating costs, optimize the financial ecological environment, to enhance their capacity for sustainable development; third is raised security for mechanism of sustainable development of rural credit union funds, including deposit insurance, credit rating, industry self-regulation, dispute Settlement mechanism.