Rural Capital Support Legal Issues Research

With the rapid development of rural economy, farmer demand for money which is growing, but in recent years, rural credit cooperatives and postal savings bank of commercialized trend more and more obvious, it is difficult to meet the demand of rural credit. In this case, the government policy support to rural financial problems. Initial establishment of rural capital is a support under the support of the government poverty alleviation funds, set up by farmers spontaneously organize rural cooperative financial organizations. Rural capital take members voluntary contribution, a support for their own risks, business philosophy, has the congenital advantage compared with other commercial Banks, such as with a small mutual loan, small risk, low threshold, low cost, unsecured,objects, gather the characteristics of the rural economic development to some extent, the difficulty of financing. Although rural capital development makes a support farmers enjoy various preferential, farmers are willing to take a stake in it. Due to congenital deficiency and blank of relevant national laws and regulations, rural capital in the process of developing a support face barriers to entry are too strict, risk prevention mechanism, and exit the system imperfect, absence of differentiated regulation concept, the lack of government policy supply problems, these problems to some extent, restricted the rural financial support for the long-term development. In order to guarantee the sustainable development of the rural capital support shall establish a perfect legal system, therefore, in the drawing on the successful experience of foreign rural cooperative financial institutions according to the actual conditions of our country rural cooperative financial development, put forward should relax the barriers to entry of rural capital support, improve the risk prevention mechanism and the regulation of the market exit system, implementing differentiation model, strengthen government guidance and the support of legal advice. With the perfection of legal system,promote the smooth development of rural capital support, improve the rural financing environment, promote the development of rural economy.