【作者】 潘虹；

【导师】 张燕；

【作者基本信息】 华中农业大学 ， 经济法学， 2009， 硕士

【摘要】 党的十六届六中全会明确提出了构建和谐社会、进一步推进新农村建设的重大历史任务。实现这一宏伟目标关键在于建立和完善市场机制,充分利用市场的经济手段,使农村资源依照社会主义市场经济的要求合理配置。资金是农业和农村发展的一个关键要素,深化农村金融体制的改革,拓宽农村经济主体的融资方式和融资渠道将成为解决我国“三农”问题的重要突破口。以农村信用合作社为代表的合作金融在我国已经经过了80多年的发展历程,它不仅是我国农村金融体系中的主体力量,而且也是全国金融体系的及其重要组成部分。然而在现实中,由于受到历史因素和制度因素等多方面的影响,农村合作金融组织在发展创新的过程中仍然面临着诸多问题需要进一步解决。虽然目前现有的研究对农村合作金融的组织机构、管理体制等都有一些较为深刻的分析,但是从法律的角度,探讨应如何构建一个适合农村合作金融发展的法律制度却还没能引起足够的重视。本文在研究农村合作金融的基础理论基础上,分析了我国农村合作金融法律制度的历史变迁,在借鉴国内外相关地区合作金融法律制度经验的同时,对我国农村合作金融法律制度构建的理念、原则、逻辑基点以及具体制度的构建深入进行了探讨,具体而言:首先分析了农村合作金融的基本内涵、特点、存在形式以及发挥的功能,并从法学和经济学的基本理论入手,对我国农村合作金融进行了阐释;其次,在研究了我国农村合作金融法律制度的制度变迁、现有法律制度的特点的基础上,揭示了我国目前农村合作金融法律制度存在问题。与此同时,本研究对美国、德国、日本和越南地区农村合作金融法律制度进行了考察,总结了它们之间的共性和差异性,从而得出对我国农村合作金融法律制度构建的经验启示;最后,基于对我国农村合作金融法律制度所应当遵循的理念和原则的探讨,以保护农民金融利益为中心,从市场准入与退出、组织制度、监管、政府支持、社员权益保障等方面构建我国农村合作金融具体法律制度,为相关制度安排提供有益的参考。更多还原

【Abstract】 The Sixth Plenary Session of the Sixteenth Committee of the Communist Party has explicitly put forward the major historic task of building a harmonious society and building the new countryside steadily. To achieve this grand goal, the key lies in the establishment and improvement of market mechanism and make full use of means of the market economy to promote rural resources in a reasonable configuration according to the requirements of socialist market economy. Fund is a critical factor for the development of agriculture and rural China. Deepening the innovation of rural financial system, widening the financing channels and modes of the main body of rural economy will become an important breakthrough of the solution to "issues concerning agriculture, countryside and farmers".China’s financial cooperation which was represented by rural credit cooperatives has developed for more than 80 years. Rural credit cooperative is not only the main force of China’s rural financial system, but also an important component of the national financial system. However, due to historical factors and institutional factors, rural cooperative financial organizations are still faced with many contradictions and difficulties and all sorts of practical problems that need to be solved in the innovation and development process. Although existing research on the organization and management of rural credit cooperatives have some deep analyses, it has not attracted enough attention yet that how to create a suitable external supporting environment for the development of rural cooperative financial from a legal point of view.Based on the basic theory of rural cooperation financial, the author analyzed the historical changes of China’s rural cooperative financial legal system. Then the author refer to domestic and international financial experience and explored in depth in the logos, the principle, the purpose and the construction of specific institution of the legal system as well as. Especially:The author analyzed the basic content, features, forms and functions of rural cooperative financial firstly, and then explained China’s rural cooperative financial from the basic theory of the law and the finance; Secondly, the author revealed the problems and the reasons in China’s current rural cooperative finance legal system after the study of historical changes and the current problems and limitation. At the same time, during the study of the United States, Germany, Japan and Vietnam, the author summed up the similarities and differences of the rural cooperative financial legal system among these countries so as to arrive on an inspiration to build china’s; Finally, based on the concepts and principles which China’s rural cooperative financial legal system should be followed, the author pointed out that the logical basis of the legal system is to protect the peasants’ financial rights, and the ultimate goal is to change the legal loss of rural cooperative financial status, to establish a legal system of rural cooperative financial security and a modern rural cooperative financial regulatory system. Contributing to the benign development of China’s rural cooperative financial system, the entry system, the secede system, the government support system and other related systems should be developed. This study can also provide useful practice for the legislative practice.更多还原