美国农场信贷立法及其对中国的启示

发布时间：2018-07-14 19:33

【摘要】：农村合作金融是农村金融体系的重要组成部分,是符合我国农村经济现实的一种有效的金融供给机制。农场信贷体系(FCS)是美国独具特色的金融支农工具,是典型的农村合作金融组织体系,其运行规律和立法经验对我国具有重要借鉴意义:首先,农场信贷银行是一个完全由农业借款人所有的合作金融机构,产权明晰,运行规范。其次,FCS是一个综合性的农村金融服务体系,机构众多,共同支农。最后,农场信贷体系专门立法,坚守合作金融的本质。从金融发展权和经济法实质公平的理念出发,我国农村合作金融亟需单独立法,厘清产权关系,规范组织运行,防止金融抑制,确保政策支持,真正还权于民,返利于民。
[Abstract]:Rural cooperative finance is an important part of rural financial system and an effective financial supply mechanism in line with the reality of rural economy in China. Farm credit system (FCS) is a unique financial support tool in the United States and a typical rural cooperative financial organization system. Its operation rules and legislative experience are of great significance to our country. Farm Credit Bank is a cooperative financial institution wholly owned by agricultural borrowers, with clear property rights and standard operation. Secondly, FCS is a comprehensive rural financial service system. Finally, farm credit system special legislation, adhere to the nature of cooperative finance. Based on the concept of financial development right and substantive fairness of economic law, rural cooperative finance in our country needs to legislate separately, clarify the relationship of property rights, standardize the operation of organization, prevent financial repression, ensure policy support, truly return the right to the people and return the interests to the people.
【作者单位】：辽宁大学法学院;
【基金】：国家社会科学基金项目《银行法律制度改革与完善研究》(批准号:04CFX009) 辽宁省高等学校优秀人才支持计划《国际金融体系改革的法律问题与中国对策》(批准号:wr201007) 辽宁省教育厅科研项目《新农村建设中辽宁省农村合作金融发展的法律保障》(批准号:2010084)
【分类号】：D971.2;DD912.28;F832.4

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