民间合会的风险防控制度研究

合会是我国传统的一种民间资金融通方式,在当前经济建设中,具有促进民间资本融通、为农村建设和中小企业提供资金支持等功能。然而,由于我国合会法律制度的缺失,使得部分合会畸形发展,引发了大规模的倒会风险,影响着当地的金融安全和社会稳定。为充分发挥合会的积极作用、防范合会风险,我国应当构建民间合会的行政监管制度、当事人责任担保制度、合会规模和履行期限控制制度、当事人相互监督制度等,以引导和规范民间合会的发展。

A Study of Risk Prevention and Control System for Folk ROSCA

Rotating Savings and Credit Association(abbreviated as ROSCA),as a Chinese traditional form of folk financing,has such functions as promoting folk financing and supporting funds for the construction of countryside and medium and small size enterprises under the current economical construction.Because of the lack of the law relating to ROSCA,however,some ROSCA developments have been abnormal,which has brought about the failure of ROSCA on a large scale and influenced local financial security and social stabi...