CAJ | 학술논문

政府责任是影响农村信用合作社可持续健康发展的重要因素。在回顾我国农村信用合作社60多年艰难历程的基础上剖析其原因有：缺乏专门法律保障而执行的政策多变;受行政干预过多而得到财政支持过少;信用功能不断强化而合作功能不断弱化。同时借鉴美国、日本、印度等国家农村合作金融成功的经验：及早立法规范,财政大力支持,特殊监督保障。最后提出强化政府责任的相关建议：加快农村信用合作社相关法律法规的出台;政府要加大对农村信用社的财政投入;政府要旗帜鲜明地强化农信社的合作性质。
정부책임시영향농촌신용합작사가지속건강발전적중요인소。재회고아국농촌신용합작사60다년간난역정적기출상부석기원인유：결핍전문법률보장이집행적정책다변;수행정간예과다이득도재정지지과소;신용공능불단강화이합작공능불단약화。동시차감미국、일본、인도등국가농촌합작금융성공적경험：급조입법규범,재정대력지지,특수감독보장。최후제출강화정부책임적상관건의：가쾌농촌신용합작사상관법율법규적출태;정부요가대대농촌신용사적재정투입;정부요기치선명지강화농신사적합작성질。
Government responsibility is an important factor influencing the sustainable and healthy development of the rural credit cooperatives.The western governments and the whole society have always attached great importance to the cooperatives since the beginning of their establishment,and have stipulated government responsibility through legislation.Based on the review of the 60 years’hard development of China’s rural credit cooperatives,this paper analyzes the causes lying behind the hardness：the implementation of the policy variable in the absence of special legal protection situations,excessive administrative interference against weak financial support,and enhancing credit against weakening cooperation.Then it reviews the experience that can be learned from the success of rural cooperative finance in countries like the United States,Japan,India,etc.This includes early legislative regulations,strong financial support and special safeguards.It finally puts forward suggestions on enhancing government responsibility,which call for government departments to introduce relevant laws and regulations of the rural credit cooperatives speedily,to increase financial input to the rural credit cooperatives,and to strengthen the cooperative nature of the rural credit cooperatives unequivocally.