Research On The Legal Issues Of Rural Financial Connection Intermediary Organizations

This article on the rural financial link related legal problems of intermediary organizations,aiming at our country to develop the rural financial background,analysis of China's rural financial coupling mainly exist in the four types of intermediary organizations,analyzes their respective characteristics and drawbacks,provide theoretical guidance for the reform of coupling of intermediary organizations and specification.This paper outlines the legislation and manufacturing experience in the rural area of the foreign financial intermediary,and constructs and improves the legal system of intermediary organizations in rural financial connection according to the current situation of rural economic development and the actual situation of rural financial financing in China.This paper consists of five parts:In the first part,the purpose,significance,method and innovation of the research are put forward.As a new mode of agricultural loan,rural financial connection meets the needs of farmers for funds in different degrees,and intermediary organizations play an indispensable role in it.The second part,first,the rural financial connection intermediary organization and its necessity is briefly described.Rural financial intermediary organizations can effectively deal with the phenomenon of financial exclusion,solve the phenomenon of acquaintance society,and meet the needs of inclusive finance.Secondly,it expounds the existence forms of four kinds of rural intermediary organizations,namely,brokers,agricultural economic cooperation organizations,enterprises and informal financial organizations,and finds out the places where each intermediary organization needs to be improved,and puts forward corresponding solutions.The third part compares the legislation and practice experience of foreign intermediary organizations.By comparing with the agricultural cooperatives in the United States,the farmers' loan model in India and the relevant intermediary organization system in Japan,this paper provides a reference for finding the current situation and inherent deficiencies of the existing intermediary organizations in China and improving the relevant measures of theintermediary organizations.The fourth part expounds the legislative status,practice status and existing problems of rural financial connection intermediary organizations in China.At present,there is no special system of laws and regulations on the management of intermediary organizations,only through a series of guidance documents and guidance from relevant departments to regulate intermediary organizations.There are many problems such as irregular entry threshold of intermediary organizations,imperfect risk prevention mechanism,imperfect insurance system and lack of supervision system,which seriously hinder the development of intermediary organizations.In the fifth part,the author puts forward some countermeasures to improve and solve the legal system of rural financial intermediaries.In terms of the entry threshold of intermediary organizations,the entry and exit mechanism of intermediary organizations should be clarified,the intermediary organizations and illegal finance should be reasonably and legally defined,and the legal intermediary organizations should be included in the regulation scope of the financial system.In terms of risk prevention mechanism,we should accelerate the establishment of intermediary organization credit evaluation system and correctly analyze the risks of financial linkage system.Improve the relevant information disclosure system;The establishment of the financial connection insurance system,whether it is the intermediary organization or the peasant household,should establish their respective insurance mechanisms and apply them effectively.In the aspect of supervision of intermediary organizations,we should strengthen the supervision of intermediary organizations.At the same time,the industry association should be established to carry out dynamic supervision over the activities of the intermediary organizations under the financial connection system,and the industry association should be responsible for the management of the intermediary organizations.In the aspect of liability system,civil liability should be borne by the illegal operation of intermediary organizations.