CAJ | 학술논문

标会是一种具有悠久历史的民间信用融资行为，广泛流行于我国东南沿海地带，农村地区尤其盛行。一方面，标会具有为农村居民筹措资金和赚取利息的双重功能；另一方面，由于管控难度大，标会也容易造成破坏农村金融秩序等不良后果。当前，我国应当尽快设立有关标会的法律规范，加快农村金融体制改革的进程。
표회시일충구유유구역사적민간신용융자행위，엄범류행우아국동남연해지대，농촌지구우기성행。일방면，표회구유위농촌거민주조자금화잠취이식적쌍중공능；령일방면，유우관공난도대，표회야용역조성파배농촌금융질서등불량후과。당전，아국응당진쾌설립유관표회적법률규범，가쾌농촌금융체제개혁적진정。
Civil bidding is a kind of financing behavior with long history based on non-governmental credit. It prevails widely in the southeast coast of China, especially in the rural areas. On the one hand, civil bidding exhibits dual functions of financing and earning interest for the rural residents; on the other hand, because of the difficulties of management and control, civil bidding may easily bring negative consequences and destroy the financial order in the rural areas. At present, China should establish legal regulations for civil bidding and promote the process of financial system reform in the rural areas.