The Study On The Law Of Supervision On Farmers' Mutual Cooperatives

Farmers Mutual Cooperatives means,with the approval of the rural cooperative economic management departments for the record,by the township(town),the scope of administrative villages farmers as the main body of voluntary,for our club membership organization for economic cooperation of mutual fund services.The generation of farmers mutual funds cooperatives is to solve the financing problem of farmers lack collateral,alleviate the shortage of rural formal financial,its loan cycle,lines,and simple procedure can adapt to the cyclical demand of agricultural production,as the farmer's production and life brought the convenience.Since the farmers funds mutual-aid cooperatives in the pilot,the corresponding laws and regulations are not perfect,the exposed in the practice of the mutual-aid cooperatives illegal deposit-taking,illegal lending,careless operation,has become the influence a big hidden danger of the rural financial market stability.Although these problems with the local government's improper intervention and mutual-aid cooperatives have certain contact insufficient internal management mechanism,more to the point of form a complete set of regulatory measures are not perfect.Lack of law mainly reflected in the high status,cause the legal nature of funds mutual-aid cooperatives in various places have different specified in the normative documents,the registration authority and specified in different regulatory authorities;Supervision main body are not familiar with the financial aspects of work,hard to do for funds mutual-aid cooperatives financial,accounting,daily audit;Content and measure of regulation is not enough refinement,unable to contain fund mutual cooperative profit urges.Thus,to standardize farmers mutual-aid cooperatives operation of funds,need to strengthen the legal regulation of mutual-aid cooperatives,refined means of regulation.To unify the legislation,such as the cooperative finance law,clarify the legal status of farmers mutual funds cooperatives;Next to select special responsible for financial business departments such as or financial market supervision and regulation department to do as a regulatory body,set the responsibility of the poor regulation,implementation with responsibility;The third to the mutual-aid cooperatives classification regulation,through commissioned audit,special account opening bank detailed supervision contents and measures;4 to control the size of farmers mutual funds cooperatives,reduce the operation risk and regulatory costs;Also should set up deposit insurance regulatory security system,to improve the compatibility support.