农村合作金融组织的发展及对其草根性的规制

当前在我国农村信用社发生异化、农村合作基金会被取缔后，农民专业合作社的蓬勃发展促使农村资金互助社这种新型农村合作金融组织得到了快速的发展，但由于农村合作金融组织天然的草根性特点，使得其在拥有社员基础广、社员互信度高、管理成本低等优势的同时，不可避免地也存在着合作组织松散化、资产弱、合作凝聚力不强的问题。文章在分析国外成熟的草根性规制经验的基础上，提出了规制我国农村合作金融组织草根劣势的“正反向规制模式”，以期达到维系和激发我国农村合作金融组织强大活力的目的。

The Development of Rural Collaborative Financial Organizations and the Regulation of Their Grass Roots

At present, in China, after rural credit cooperatives have dissimilation and rural cooperative funds have been banned, the booming development of specialized farmer coopera- tives leads to the rapid development of rural mutual cooperatives which are new rural collaborative financial organizations. But the natural grass roots of rural collaborative financial organizations bring them to not only the advantages such as broad member base, high degree of mutual trust between members and low management costs, but also the disadvantages such as loose cooperation,weak assets and weak cooperation cohesion. Based on the analysis and absorption of foreign mature grass-roots regulation evidence, this paper proposes positive and negative regulation modes which are used to solve the grass-roots disadvantage of rural collaborative financial organizations to maintain and evoke the powerful vitality of rural collaborative financial organizations in China.