The Reference And Enlightenment Of The Legalization Of Taiwan ROSCAS To The Mainland Of China

Rotating Savings and Credit Associationst(ROSCAS)is based on kinship and geographical creates a form of financial mutual cooperation,which have played an important role in product,as well as exchange of mutual priorities,effectively relieve the people in production and life facing financial difficulties.After thousands of years of development and evolution,the traditional ROSCAS has become an organic part of the financial system.The rapid development of ROSCAS,satisfy the member economy in production and living needs,ease the financing difficulties of small and medium-sized enterprises,promote the development of the social consumption.However,our country has not been to legislation of ROSCAS,because of the lack of legal constraints,coupled with the Lack of administrative supervision,can lead to the development of the deformity,triggering a massive ROSCAS collapse,disrupting the normal social order,has affected the healthy development of the economy.In contrast,in 1999,the ROSCAS becomes a contract,written into the civil code of taiwan.After more than ten years of development,ROSCAS legal system is becoming more and more mature.Although ROSCAS has a risk of failure,but its social and economic development has played a indelible role.Gradually easing in monetary policy and the social and economic exchanges across the Taiwan straits frequent today,we should pay attention to this folk finance,according to the practice of folk ROSCAS,combining the beneficial experience of legal system in Taiwan,to explore the mode of legal system suitable for national conditions ROSCAS,guide and standardize the development of ROSCAS,protecting the rights of members,give full play to the positive role.This paper is divided into three parts.Firstly,through the survey of local ROSCAS situation,describes the current situation and existing problems of ROSCAS legal system,analyze the causes of problems,introduce our country judicial practice on ROSCAS disputes.combining with the current economic environment in China discussed the necessity and feasibility of legalization of ROSCAS in our country.Secondly,Through the Taiwan ROSCAS legal system process,content and operation situation of the research,draw the legalization of ROSCAS enlightenment in our country.Finally,based on the legislative experience of Taiwan,according to our country,raised from the rights and obligations of the parties,risk control and other aspects of the five specific ideas of our legal system.