Research On The Supervision Legal System About Mutual Assistance Of Interior Fund In Rural Cooperatives

In the context of the mismatch between the demand for funds in rural areas and the supply of commercial finance,mutual fund assistance in cooperatives has become the most important form of mutual fund assistance in rural areas by virtue of its unique advantages.Therefore,it has formed organizational management,operational management and risks in practice.Management characteristics.However,this kind of mutual fund assistance behavior has always lacked the guidance of the corresponding regulatory system.Due to the unclear qualification of the cooperative professional fund cooperative business in the Farmer Professional Cooperative Law,the lack of standardization of the cooperative fund mutual assistance behavior,and the independent management of the cooperative ’s internal business,etc.Chaos occurred frequently.Under the guidance of economic law theory,we can sort out the basic principles of supervision of mutual fund assistance in cooperatives,including the principle of limited supervision,emphasizing the principle of social interest and the appropriate intervention of the country;propose the principle of effective supervision,reflecting risk prevention and optimal allocation of resources And the theory of economic benefits;put forward economic supervision principles,emphasizing the cost of legislation.At the same time,in order to reasonably put forward suggestions on operational regulatory rules,we should refer to the existing regulatory experience of mutual funds associations,and make recommendations in terms of legal rank,access standards,and risk management.Finally,combining the relevant supervision experience and supervision theory,this paper proposes the business scope of adding the mutual fund assistance business in the Farmers Professional Cooperative Law;defining the mutual fund assistance business as "members in the administrative villages and townships(towns)" Form mutual funds in the form of money to form mutual aid funds,and provide mutual aid services for funds only to the members who have invested ",and maintain a closed service model through internal,regional,and monetary characteristics to avoid accusations of" illegal operations "and" illegal fundraising ";Clearly implement independent management of cooperatives for mutual fund assistance business,avoid mutual aid funds flowing to non-fund mutual assistance business,non-mutual assistance members,and prevent alienation of behavior;it is recommended to set up self-disciplinary organizations to guide cooperatives in various regions to carry out mutual fund assistance business,strengthen cooperative risk prevention awareness,and increase risks Management and internal control capabilities;establish and improve relevant supporting systems to support specific agricultural regulatory recommendations such as rural agricultural development.