CAJ | 학술논문

农村资金互助社作为一种为入股社员服务的新型农村金融机构，真正体现了合作金融的精神。目前我国正规农村资金互助社数量少，大多数农村资金互助社以准正规和非正规金融的形式存在，发展中存在缺乏法律保护和规范、融资渠道不畅、监管过严与缺失并存等问题。根据农村资金互助社发展现状及存在的问题提出相应的对策建议。
농촌자금호조사작위일충위입고사원복무적신형농촌금융궤구，진정체현료합작금융적정신。목전아국정규농촌자금호조사수량소，대다수농촌자금호조사이준정규화비정규금융적형식존재，발전중존재결핍법률보호화규범、융자거도불창、감관과엄여결실병존등문제。근거농촌자금호조사발전현상급존재적문제제출상응적대책건의。
As a new rural financial institution serving for members who takes its stocks, the rural fund cooperatives are a kind of real cooperative financial institution. But at present, most rural fund cooperatives are not in formal financial system, so they can ’t be protected and restraint by the law. In addition, the fund cooperatives don’t have enough financing channels. What’s more, too much and inadequate supervision coexist in the development of fund cooperatives. According to this condition, this paper gives corresponding suggestions.