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由于多种原因,中国至今尚未出台《信用合作社法》和《合作银行法》。目前,规范农信社的法律文件只是几个零散的部门规章,不仅立法层次低,而且规章之间的冲突大,不能适应新形势下我国农村金融蓬勃发展的需要。结合西方发达国家的立法经验与我国的现实国情,笔者认为,制定统一的《信用合作社法》及《合作银行法》已迫在眉睫。借鉴西方国家的先进立法经验,应将农信社和农合行
For various reasons, China has yet to promulgate the “Law on Credit Cooperatives” and the “Law on Cooperative Banks.” At present, the legal documents regulating the RCCs are only a few scattered departmental rules. Not only are there not a low level of legislation, and the conflicts between the regulations are large, they can not meet the needs of the vigorous development of rural finance in our country. Combined with the legislative experience of western developed countries and the actual conditions of our country, the author believes that it is imperative to formulate a unified “Credit Cooperatives Law” and “Cooperative Banking Law.” Learn from the advanced legislative experience of Western countries, should be rural credit cooperatives and farmers