Research On The Legal Regulation Of The Access Of Rural Fund Mutual Cooperatives

Rural Finance is the focus of the rural economy, the new socialist countryside construction and rural finance support are inseparable, it is the rural credit union funds based rural financial supply imbalance actually generated. Compared to other rural financial organizations, rural fund mutual cooperatives are cooperative financial organization in the true sense, with mutual aid, closed and democratic characteristics. At the same time, access standards of rural fund cooperatives and other financial institutions are more relaxed compared to that in rural areas to improve the competitive situation of the financial markets, increasing the supply of finance in rural areas of the body guard against financial risks that may arise has important practical significance.According to the theory of financial exclusion, financial exclusion of rural areas is the pursuit of profit by the high risk of agriculture, farmers opaque credit status and financial institutions of common cause. To resolve the rural areas of China's financial exclusion, we should gradually open up rural financial market, to support the development of new rural financial institutions. According to the theory of Elements of Economic Development Factors, financial capital is a key factor driving the growth of rural finance. Profit-driven financial capital in the financial capital is moving away from rural areas, which requires the government to intervene to guide the development of rural financial markets. Variance of Rural Credit theory reflects a change in government functions and positioning, which can cause changes of access system, imperfect competition theory should promote rural financial market as China's guiding ideology of progress. This requires a complete set of rural financial market access system, select the appropriate cell of the body into the rural financial market, rich investors, to build up a good mechanism of competition, to avoid excessive competition or lack of competition and other conditions. Market failure theory provides a theoretical support for government intervention, the existence of market failure situation requires the government to regulate the rural financial market regulation, but government intervention also has the possibility of government failure. Therefore, in order to effectively play the role of the market and the government, and promote stable and sustainable development of the rural credit union funds, we must establish and improve market access system.Establishment of a rural credit union funds and other investors can not do without sponsors and investors active participation of members eligible rural fund cooperatives of farmers exists for ill-defined concept, shares units unreasonable for civil capacity requirements too strict and not given to NGO shares qualifications deficiencies. Combined with the successful experience of extraterritorial rural cooperative financial institutions, credit union investment funds subject qualification system in China's rural improvement is necessary to clearly define the concept of farmers, the introduction of "quasi-members" system; the second is to reform the current shares units, according to China's to the actual situation, "a member of a one-vote" system; third is to reduce the members of the civil capacity requirements, given the age of eighteen who join a company with limited civil capacity qualifications; Fourth join a company expressly qualified non-governmental organizations, rich funding of rural mutual cooperatives.Registered capital system has the protection of creditors, economies of scale and market regulation, and other functions. But in practice, the rural credit union funds, the registered capital system and related functions have not been fully exploited. The protection of creditors, rural capital mutual cooperatives capital are basically members of the contributed capital, compared to essentially no different from ordinary corporate enterprises; economies of scale, the particularity of the rural financial market determines the small rural fund cooperatives size, its location is supposed to be small-scale financial institutions, there is no need to set exorbitant registered capital; regulate aspects of the market, rural fund cooperatives existing registered capital of only taking into account regional differences without considering lateral longitudinal differences in market regulation and function No play. Is a rural credit union funds registered capital of the size factor should be taken into account the degree of economic development of the country, the financial situation and other needs, choose differentiated registered capital for different situations around the country.Regulation of practitioners is an important aspect of modern financial regulation, rural funds union employees in terms of qualifications exists qualifications requirements are too high, the problem of inadequate training mechanisms. Combined with relevant experience aspects of rural cooperative financial institutions practitioners, rural funds mutual cooperatives employees qualifications should be perfect from the start to relax the conditions of employment, strengthen the training of employees in two ways.