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农村资金互助组织通过资金互助项目的实施,是农村金融改革的有益尝试。在转变农民信用理念、增强团结互助精神、创新金融组织形式、建设新农村战略的实施具有良好的推动作用。通过走访调研发现,丽水市目前仅有一家农村资金互助组织领取了银监部门颁发的金融业务许可证。不少农村专业合作社逐渐开展以资金互助为形式的金融服务,如何切实有效的控制与防范其中的法律风险,成为亟需解决的现实问题。
The implementation of fund mutual aid projects by rural fund-raising organizations is a useful attempt of rural financial reform. It has a good role in promoting the concept of peasants’ credit, strengthening the spirit of solidarity and mutual assistance, innovating the form of financial organizations and building a new rural strategy. According to the survey, only one rural mutual fund organization in Lishui City has obtained the financial business license issued by the banking regulatory department. Many rural cooperatives gradually carry out financial services in the form of mutual funds of funds. How to effectively control and prevent their legal risks has become an urgent problem to be solved.