Research On The Legal System Of Rural Cooperative Finance In China

Rural cooperative finance in China emerged in the 1920s,has nearly one hundred years of history,its development has experienced the agricultural bank of people's commune management,become a grassroots branches,as well as historical development process,such as the agricultural bank of decoupling.Under the planned economy,"financial instruments "and" practice mode ",the influence of rural cooperative finance in China did not play its due role,even appear various factors affect the normal development of the block.Rural cooperative financial organization legal nature localization unclear,lagging in legislation idea,imperfect legislation,unclear property rights system,lack of democratic management system,market access and exit system,the lack of supervision system and unreasonable,cause our country rural cooperative financial management mode and function alienation phenomenon.China is better,to beauty,to rich and agriculture must be strong,rural must be beautiful,farmers must be rich.With the development of the rural strategies,the precision of the anti-poverty policies and the modernization of the rural governance and the governance system,it is to analyze the problems of the development of the rural cooperative financial development in the country,and suggest a targeted policy to solve the problems of the shortage of agriculture,the lack of investment,the financing of the farmers and the small economic organizations in the rural areas and the rural rule of the country.The nineteenth report stressed that we need to achieve people-centred development.The reform and development of rural cooperative finance should be centered around the"people".It is also necessary to put the concept of "inclusive finance" into the whole process of rural cooperative financial reform.Under the guidance of the concept of"Pratt Financial" and the current development of our rural cooperative finance,we should be able to identify our rural cooperative financial organization as a special social group legal status.In the context of the separation of ownership and administrative rights,the subject of ownership of the property,allowing social groups,precision anti-poverty reduction units are created in the rural cooperative financial organization.We will adopt the legislative framework of classified regulation to formulate a unified rural cooperative financial law,and take "financial equity" and“service to people's livelihood" as the priority legislative value orientation in the legislative process.It also establish that market regulation concept,rationally determines the scope of government intervention and pay attention to the protection of the peasant financial rights.On the basis of the geographical restriction and the nature of the industry,the qualification of the members shall be determined,and technical measures shall be taken to ensure the full enjoyment and exercise of the rights of the members.It is reasonable and differentiate to determine that registered capital and relax the exit conditions of members according to different condition in each region so as to ensure the flexibility of the rural cooperative financial organization.In order to realize the democratic and independent supervision,we should establish a pluralistic and multi-channel supervision mechanism,integrate the government power supervision department,establish a unified power supervision department,form the supervision force,and give the non-member investment subject supervision right,and make use of the neutrality characteristic of the non-member investment in profit sharing and loan service,and exert its supervisory role to the maximum extent.We will establish strict accountability and accountability mechanisms,and promptly investigate the legal liabilities of units and individuals that violate the purpose and procedures of the establishment of rural cooperative financial organizations.With the continuous improvement of the policy of "agriculture,rural areas and farmers",farmers' cooperation and mutual assistance are constantly enhanced,and the development prospect of China's rural cooperative financial organizations can be extended,and the formation of flexibility will also become a trend in the future.