摘要
目前我国农村经济发展滞后,农民、农户及农业经营主体受信贷约束,金融需求很难充分满足,制约着乡村振兴战略的实施。农村合作金融体现了农村内部成员的互帮互助,对于缓解城乡金融资源配置失衡、促进乡村振兴建设有重要价值。而我国农村合作金融一直都是在政府主导下推进,游走在“自主管理”、“官办”和“准官办”的循环怪圈之中,立法上的缺失导致其发展受限。通过立法将零落分散的规章、规范性文件上升为《农村合作金融法》,把长期以来探索实践的经验和有效机制法定化,彰显合作金融的自我服务和民主管理,让合作金融组织有法可依、合法经营,促进农村金融资源聚于农村、用于农村和惠于农村,为乡村振兴提供金融制度保障。
At present,China’s rural economic development lags behind.And farmers and agricultural operators are constrained by credit.So it is difficult to fully meet the financial needs,which restricts the implementation of Rural Revitalization Strategy.Rural cooperative finance reflects the mutual help of rural members,which is of great value to alleviate the imbalance of urban and rural financial resources allocation and promote rural revitalization.However,the rural cooperative finance of China has always been promoted under the guidance of the government,wandering in the vicious circle of“independent management”,“official management”and“quasi official management”.The lack of legislation leads to its limited development.Through legislation,the scattered regulations and normative documents will be upgraded to the rural cooperative finance law,the long-term exploration and practice experience and effective mechanism will be legalized.The self-service and democratic management of cooperative finance will be highlighted.And the cooperative financial organizations will have laws to abide by and operate legally,to promote the rural financial resources to be gathered in the rural areas,to be used in the rural areas and benefit the rural areas,and to provide rural revitalization Financial system guarantee.
出处
《科学决策》
CSSCI
2020年第12期47-72,共26页
Scientific Decision Making
基金
云南省社科规划项目(项目编号:YB2017035)
中国法学会项目(项目编号:CLS-2020-ZZ024)。
关键词
乡村振兴
农业合作金融
政策
立法
rural revitalization
agricultural cooperative finance
policy
legislation
