Research On The Legal Regulation Of Rural Cooperative Financial Institutions Under The Concept Of Inclusive Finance

Under the call of the national strategy for the development of inclusive finance in the new era,over the years,rural cooperative organizations have assumed more than70 percent of the agricultural loans for the development of inclusive finance in rural areas because of the scale of accounting for only 10 percent of the banking assets of the country.Based on the existing research data of rural cooperative financial institutions and inclusive finance,this paper draws lessons from the analysis and study of the relevant legal regulation situation in other countries and regions abroad,comprehensively demonstrates the legal regulation situation of rural cooperative financial institutions in China under the concept of inclusive finance,and puts forward concrete countermeasures and suggestions,in order to further promote the legal construction of rural cooperative financial institutions in China.The first part of this paper is the theoretical basis,mainly introduces the significance of the research background,the concept and theoretical basis of inclusive finance,the definition of rural cooperative financial institutions and its relationship with inclusive finance.The second part is the third chapter,by analyzing the current situation of the legal regulation of the rural cooperative financial institutions under the concept of inclusive finance,this paper summarizes the four problems of the lack of the laws and regulations of the cooperative system,the weak operation of the legal regulation of risk prevention,the conflict of the relevant normative documents and the weak enforcement of the laws and regulations of the rural cooperative institutions.The third part of this paper is the fourth chapter of the article,through the foreign developed countries,developing countries as well as China's Taiwan region rural cooperative financial institutions legislation and the legal system is now analyzed,in order to play a reference to the domestic rural cooperative financial institutions legal regulation.The fourth part of this paper is the fifth chapter,through the first three parts ofthe article analysis and discussion,put forward in the concept of inclusive financial institutions in rural cooperative financial institutions legal regulation construction should pay attention to the special value needs of the legal system of rural cooperative institutions,clearly distinguish the rights of participants,improve the normative document review,the implementation of differentiated financial supervision model,foster the legal literacy of rural cooperative institutions and other specific suggestions.