农村居民融资法律问题研究_以福建农村_标会_为视角_罗仁冰.pdf

　 26 6 JOURNAL OF GUANGXI ADMINISTRATIVE Vol.26.No.6 2011 11 CADRE INSTITUTE OF POLITICS AND LAW Nov.2011 A Resear h on the Legal Issue of the Finan ing of Rural Residents ———In Perspective of the BiaoHui in the Rural Areas of FuJian Province LUO Ren-bing (East China University of Politi al S ien e and Law, Shanghai China　200042) 　　[Abstra t]BiaoHui is a kind of nongovernmental credit financing of long history, idely popular in China s southeast coastal areas, especially prevalent in rural areas.On the one hand, it is provided ith financing and interest earning for rural residents. The other hand, because of difficult to control, it is likely to cause damage andother adverse consequences of rural financial order. At present, China should set up the legal norms of BiaoHui as soon as possible and promote the reform of rural financial system. 　　[Key words]financing ;BiaoHui;the reform of rural financial system ———“” 罗仁冰 (, 　200042) 　　[　]标会是一种具有悠久历史的民间信用融资行 。 为, 广泛流行于我国东南沿海地带, 农村地区尤其盛行。 一 , 。 方面,标会具有为农村居民筹措资金和赚取利息的双重功 、。 能;另一方面, 由于管控难度大, 标会也容易造成破坏农村 金融秩序等不良后果。当前, 我国应当尽快设立有关标会 ()、 的法律规范, 加快农村金融体制改革的进程。 。, []融资;标会;金融体制改革 20 ～30 , [] DF438　　[]A ,,, [] 1008-8628(2011)06-0050-04 。 25 (1 　　 24 ),1000 , , , ()50 。, 24 , 。 1000 , 24000 。, ,; , 、