农民资金互助合作社实践中的问题及监管对策研究  

The Development Difficulties of Farmers' Mutual Cooperatives and Supervision Route Selection

作　　者：尤悦[1] 曾玉珊[1] 

机构地区：[1]南京农业大学人文与社会发展学院,江苏南京210095

出　　处：《临沂大学学报》2016年第6期110-114,共5页Journal of Linyi University

摘　　要：农民资金互助合作社是由农民自发组建,对内部成员进行资金互助的合作金融组织。近年来农民资金互助合作社的实践取得了一些成效和经验,但也存在着较高的运营风险和监管空白。文章以案例实证等方式分析农民资金互助合作社存在着内部监管机制不全、监管主体不清、监管内容空白等问题,并与银监会所监管的农村资金互助社的监管模式进行对比,提出应当统一立法,规范农民资金互助合作社的运作性质,明确监管机构与监管责任,以分级管理的方式来完善对农民资金互助社的监管,促进农民资金互助合作社的健康发展。The Farmers' Mutual Cooperatives is established by farmers spontaneously. The purpose of this organization is to provide financial assistance to internal members. For the past years, Farmers' Mutual Cooperatives has made some achievements but also has inherent high risks. With case study, this text points out the problems of the Farmers' Mutual Cooperatives, such as the internal supervision mechanism is not comprehensive enough, the supervision of the main body is indefinite and absent legislative supervision. Comparing with the rural mutual cooperatives that supervised by China Banking Regulatory Commission,it is necessary for us to take uniform legislation, regulate the nature of the operation of the Farmers' Mutual Cooperatives, and clarify the regulatory agencies and regulatory responsibilities, keep improving our regulation by the classification supervision, to promote the healthy development of the Farmers' Mutual Cooperatives.

关 键 词：农民资金互助合作社'运营风险'发展困境'农村金融'法律监管 

分 类 号：D922.4[政治法律—法学]