摘要：农村资金互助社是我国农村金融体制改革的突破口，在满足农村小额、短期、频繁的资金需求，活跃农村金融市场等方面具有与生俱来的优势，是解决“三农”问题的关键。但根据其目前试点运行情况来看，相关法律法规等制度还不够健全。互助社在发展的过程中，存在着监管缺失、融资渠道不畅通等诸多法律风险，严重阻碍了互助社的进一步发展，对此，应完善相关的法律法规，统一立法，通过赋予互助社利率定制权，加强与商业银行的合作等途径拓宽互助社的融资渠道；明确监管主体，加强监管力量，建立以内部监管为基础、外部监管相配合的完善的监督管理体系，为互助社的发展提供良好的法治坏境。57528

毕业论文关键词：农村资金互助社，法律风险，防范措施

Abstract: As a breakthrough in the reform of China's rural financial system, Rural Fund Cooperatives has inherent advantages in meeting small, short-term, frequent demands for funds and stimulating financial market in rural areas and so on, and is also the key to solve the problem of “agriculture, rural areas and farmers”. But according to the current situation of pilot running, relevant laws and regulations are not perfect enough. In the development process of Cooperatives, there exist lots of legal risks, such as lack of supervision, choked financial channels, which has seriously hindered the further development of Cooperatives. Thus, relevant laws and regulations should be perfected, and unified legislation should be promoted. In addition, by way of conferring the custom rights over interest rate to Cooperatives and strengthening cooperation with commercial banks, the financing channels should be broadened. In order to provide a good legal environment for the development of Cooperatives, supervision subject should be explicit, and the supervision power should be strengthened. At the same time, a perfect supervision and management system based on internal supervision and combined with external supervision should be established.

Key words：Rural Fund Cooperatives,legal risks,prevention measures

目  录

 一、引言 5

 二、农村资金互助社的界定 5

   （一）农村资金互助社的概念 5

   （二）农村资金互助社的特征 6

   （三）农村资金互助社与其他银行业金融机构的区别 6

 三、农村资金互助社的法律风险及其原因 7

   （一）农村资金互助社的法律风险 7

   （二）农村资金互助社法律风险存在的原因 9

 四、农村资金互助社法律风险的防范措施 10

   （一）完善相关的法律法规 10

   （二）拓宽农村资金互助社的融资渠道 11

   （三）建立完善的监督管理体系 12

   （四）严把农村资金互助社的准入关卡 14

 结语 15

 参考文献 16

 致谢 17 

一、引言

    自农村资金互助社的准入门槛放宽以后，互助社的发展便呈星火燎原之势，在一定程度上缓解了农户和农村小企业的资金压力，弥补了农村金融市场资金供给不足等问题，解决了农户的融资困境，激活了农村金融体系。但随着实践的不断深入，其诸多弊端也逐渐显现，由于融资渠道太窄、后续资金严重不足，监管缺位等问题日益严重，许多互助社因经营不善而纷纷倒闭或沦为不法分子集资敛财的工具。