Research On The Legal Lssues Regarding Rural Multual Cooperatives

With the development of China's agricultural economy and rural areas,the demand for funds by farmers is increasing.However,the commercialization of rural commercial banks and postal savings banks has become increasingly apparent in recent years,and it is difficult to meet the demand for credit for rural economic development.Based on this,relevant government departments have issued relevant policies to support the development of rural financial institutions.Rural mutual funds cooperatives are rural cooperative financial institutions established by the government led by farmers under the support of the government's support for agriculture,rural areas,and precision poverty alleviation policies.The company adopts the operating concept of members who voluntarily participate in shares,operates independently,and takes risks themselves.Compared with other commercial banks,it has its own advantages,such as strong mutual assistance,relatively small risks,low costs,and no need for any mortgages.,the characteristics of objects and so on,in the current special financial environment,to meet the needs of farmers for financial resources,but due to its inherent problems in the establishment and development process and the country's financial laws and regulations are not perfect,making rural mutual funds In the process of development,it faces many problems: unclear positioning,inadequate supervision,difficulty in financing,and a large number of illegal institutions.Through practical research on rural mutual fund associations,it is concluded that the causes of these problems are mainly excessively high.Entry barriers,lack of regulatory concepts,and risk prevention mechanisms are not And government expenditures are weak,etc.Through the analysis of these issues,drawing on the successful experience of foreign rural cooperative financial institutions and based on the actual situation of the development of rural cooperative finance in China,we propose to lower the access threshold for rural mutual aid agencies and strengthen risk prevention and markets.Withdrawing from the responsibility system,improving the relevant legal supervision system,and strengthening the government's legal advice on investment in funds and policies.It is hoped that through the improvement of the legal system,it will help improve the theory of rural mutual funds,promote the steady development of rural mutual aid agencies and the prosperity of rural financial markets.