美国《农业信贷法》:法典述评与立法启示
发布时间：2018-07-17 16:57
【摘要】：与中国农村金融"政策推进、行政主导"的改革模式相比,美国《农业信贷法》浓缩了100年来美国人应对"农村金融"这一世界难题的实践理性、法律智慧与立法技术。作为美国农村金融发展的"顶层设计",美国《农业信贷法》以统一立法的联邦法典模式,通过"立法拟制",创设农村金融机构,加强农村金融监管,化解农村金融风险,稳定农村金融市场,保护农民借款人权利,确立以调解为主的农村金融纠纷解决机制,最终将纷繁脆弱的农村金融关系调整成为符合立法目标要求的主体明确、运营高效、市场完备、监管科学、执法有力、司法有效的系统独立的农村金融法律关系体系,堪称"科学立法"的典范。深化我国农村金融体制改革,必须"站在巨人肩上",树立法治意识,完善顶层设计,加快推进农村金融立法,贯彻"目的明确、程序科学","一以贯之、循序渐进","制度协调、形式理性"的科学立法总思路。
[Abstract]:Compared with the "policy promotion and administrative leading" reform mode of Chinese rural finance, the American Agricultural Credit Law condenses the practical reason, legal wisdom and legislative technology of American to deal with the world problem of "rural finance" in the past 100 years. As the "top-level design" for the development of rural finance in the United States, the Agricultural Credit Act of the United States establishes rural financial institutions, strengthens the supervision of rural finance, and defuses rural financial risks through the federal code model of unified legislation. To stabilize the rural financial market, to protect the rights of farmers' borrowers, to establish a resolution mechanism of rural financial disputes based on mediation, and finally to adjust the complex and fragile rural financial relations into the main body that meets the requirements of the legislative objectives, and to operate efficiently. A systematic and independent system of rural financial legal relationship with perfect market, scientific supervision, powerful law enforcement and effective judiciary can be regarded as the model of "scientific legislation". To deepen the reform of our country's rural financial system, we must "stand on the shoulders of the giant", set up the consciousness of ruling by law, perfect the top-level design, speed up the promotion of rural financial legislation, carry out "clear purpose, scientific procedure", "consistent, step by step", "system coordination," The general idea of scientific legislation of formal rationality.
【作者单位】： 西南政法大学中国金融法治研究中心;
【基金】：2014年度国家社科基金重点项目“农村金融制度创新研究”(14AZD034) 2014年度农业部委托全国人大项目“农村金融立法研究”(D201403) 2014年度中国市场经济法治研究中心重大攻关项目(CMEL14ZD06) 首批“国家特支计划”青年拔尖人才支持项目
【分类号】：D971.2;DD912.4
，
本文编号：2130305
[Abstract]:Compared with the "policy promotion and administrative leading" reform mode of Chinese rural finance, the American Agricultural Credit Law condenses the practical reason, legal wisdom and legislative technology of American to deal with the world problem of "rural finance" in the past 100 years. As the "top-level design" for the development of rural finance in the United States, the Agricultural Credit Act of the United States establishes rural financial institutions, strengthens the supervision of rural finance, and defuses rural financial risks through the federal code model of unified legislation. To stabilize the rural financial market, to protect the rights of farmers' borrowers, to establish a resolution mechanism of rural financial disputes based on mediation, and finally to adjust the complex and fragile rural financial relations into the main body that meets the requirements of the legislative objectives, and to operate efficiently. A systematic and independent system of rural financial legal relationship with perfect market, scientific supervision, powerful law enforcement and effective judiciary can be regarded as the model of "scientific legislation". To deepen the reform of our country's rural financial system, we must "stand on the shoulders of the giant", set up the consciousness of ruling by law, perfect the top-level design, speed up the promotion of rural financial legislation, carry out "clear purpose, scientific procedure", "consistent, step by step", "system coordination," The general idea of scientific legislation of formal rationality.
【作者单位】： 西南政法大学中国金融法治研究中心;
【基金】：2014年度国家社科基金重点项目“农村金融制度创新研究”(14AZD034) 2014年度农业部委托全国人大项目“农村金融立法研究”(D201403) 2014年度中国市场经济法治研究中心重大攻关项目(CMEL14ZD06) 首批“国家特支计划”青年拔尖人才支持项目
【分类号】：D971.2;DD912.4
，
本文编号：2130305
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