农村资金互助社自治权问题研究.pdf

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1、农村资金互助社自治权问题研究2012级朱兴安硕士经济法学王冬ClassifiedIndex:U.D.C:SouthwestUniversityofScienceandTechnologyMasterDegreeThesisOntheAutonomyoftheRuralFundMutualCooperativeResearchGrade:2012Candidate:ZhuXinganAcademicDegreeAppliedfor:MasterSpeciality:EconomicalLawSupervisor:WangDongMay

2、.20,2015西南科技大学硕士研究生学位论文第I页摘要从自治权视角研究农村资金互助社的制度完善，可助力其制度环境的合理化与科学化。农村资金互助社的自治以公私两元的权力划分以及国家适度干预为基础；以自主设立、自主经营、自主管理、自主发展、合理退出为内容；具有符合经济规律、符合现代法治的必然性。然而，农村资金互助社却面临严苛的设立条件、过度的经营监管、不成熟的治理结构、匮乏的融资渠道以及粗糙的退出机制困扰。考察乡土秩序和农村资金互助社自身结构的风险防控能力，发现可以对农村资金互助社进行全面立法以提高其法律位阶、改变准入模式以放宽准入、

3、改变监管理念以完善经营、借鉴公司治理以重构治理模式、拓展融资渠道以求持续发展以及落实科学退出机制以保证社员利益。当然，农村资金互助社的自治权也不应当被过分强调，应当保证其在金融市场需要和国家宏观调控的限度之内。考察农村资金互助社关涉的领域，发现应当在符合产业政策与国家金融安全领域进行农村资金互助社的自治权限制。关键字：农村资金互助社自治权限度西南科技大学硕士研究生学位论文第II页AbstractImprovingthesystemoftheruralfundmutualcooperative,fromtheperspectiveof

4、autonomy,canhelpitssystemenvironmentbereasonableandscientific.Itisnecessary,undertheeconomiclawandrulebylaw,thattheautonomyoftheruralfundmutualcooperativebaseonthedivisionofpublicandprivateandnationalmoderateintervention;andthecontentsofautonomyincludeself-establishmen

5、t，self-operation，self-management，self-developmentandreasonableexit.However,theruralfundmutualcooperativeisfacingwiththeharshconditionsofestablishment，excessiveoperationsupervision，immaturestructure，poorlyfinancingchannelandroughexitsystemproblems.Investigatingtheriskco

6、ntrolfunctionoftheruleofruralsocietyandthestructureoftheruralfundmutualcooperative,itcanbefoundthattoimprovetheirlegalpositionbyconductlegislation;tobroadenentrancebychangetheaccessmode;toimprovethemanagementbychangetheregulatoryphilosophy;toreconstructthemanagementmod

7、ebylearningfromcorporategovernance;expandthefinancingchannelsforthesustainabledevelopmentandtheimplementationofscienceexitmechanismtoensuretheinterestsofmembers.Ofcourse,theautonomyoftheruralfundmutualcooperativeshouldnotbeoveremphasized,itshouldbekeptintheneedsofmarke

8、tandmacroeconomiccontrol.Investigatingtherelationareaoftheruralfundmutualcooperative,itcanbefoundthatthelimitationofa