社员金融服务权保护与合作金融法律制度设计

低收入群体组建或者参加合作金融组织的目的,是为了获得便利的金融服务,而不是资本收益的最大化,这是合作金融组织与商业金融组织相区别的特质之一。因此,社员金融服务权利的保护成为合作金融立法的核心。合作金融组织为社员提供的存款、贷款、金融理财和教育培训等服务,构成了社员金融服务权利的基本内容。现代国际合作金融立法已经放宽了服务对象的范围,可以为非社员提供部分金融服务。但对于我国合作金融的发展趋势而言,合作金融组织可以为非社员提供存款服务,但不得为非社员提供信贷资金服务。

Protecting Cooperative Financial Institution Members’ Rights to Financial Services

Low-income people join cooperative financial institutions(CFI) voluntarily with the purpose to get access to financial services provided by it,which makes CFI different from commercial banks.So,the cooperative finance law should regard the protection of members’ rights as the core of legislation.The members’ rights include deposition,credit loans,financial training and education.Although some cooperative finance legislations allow CFI to provide credit loans to non-members,China’s law should not adopt this model.For the sustainable development of CFI,China’s law should allow the CFI to offer deposition service for non-members,but to offer credit loans to non-members shall be forbidden.