本报记者 陆玲 发自北京、连云港 Our reporter from the Beijing LiuLing/lianyungang

　　“现在已经基本兑付完毕了，事情处理结束了。”11月20日，江苏连云港(601008,股吧)市灌南县委农村工作部副部长梁公祝在电话里告诉时代周报记者。

"Now the basic cash a completed,The end of the matter."On November 20th,Jiangsu lianyungang(601008,guba)City GuanNaXian committee, vice minister of rural work LiangGong wish on the phone told reporters times weekly.

　　一个月前，这个苏北县城因4家农民资金互助合作社上亿元存款被挪用一事被推至风口浪尖。

A month ago,The county of jiangsu province for four peasants' fund mutual cooperatives hundreds of millions of yuan deposit was appropriated by the push to in the teeth of the storm.

　　彼时，灌南县宣传部孟部长对前来采访的记者称，“很害怕你们的过分关注，又引起恐慌”。

At the,GuanNaXian propaganda department minister meng for to come to interview with reporters said,"Very be afraid of you pay much attention to,And cause panic".

　　事实上，紧张一直存在。继灌南之后，江苏沭阳、邳州、连云港、徐州等地又相继曝出多宗合作社集资案件。其中，沭阳县信联农村经济信息专业合作社及其分社涉案资金1200多万、邳州市信联农村经济信息专业合作社及其分社涉案资金300多万；徐州苏阳农村经济信息专业合作社达3000余万，涉案金额高达8000多万。

In fact,Tension there has been.The irrigation after south,Jiangsu ShuYang/headquarters/lianyungang/Xuzhou, etc and have to expose a number of cooperative financing case.the,Shuyang letter league rural economic information professional cooperatives and its branch office involved more than 1200 funds/Pizhou letter league rural economic information professional cooperatives and its branch office involved more than 300 funds;Xuzhou su Yang rural economic information professional cooperatives more than 3000,Involving a value as high as more than 8000.

　　与灌南县社员顺利拿到钱不同，部分合作社社员开始了漫长无望的讨债之旅。合作社已经成为老百姓心中的死结：“明明各类证件都齐全，当初还有县领导剪彩、经过审批的合作社怎么说关就关了？”“以后再也不会存那里了”“公家原来也靠不住”……

And GuanNaXian members successfully get money different,Part of the cooperative began long hopeless pay the rent trip.Cooperatives has become people the knot of heart:"Clearly all kinds of documents are complete,At the beginning and county leadership cut the ribbon/After the examination and approval of the cooperatives how to say they shut the shut?""Later any further not save there""The public was also unreliable"...

　　10月底，时代周报记者在连云港、灌南等地走访，当地媒体称，“每天都有投诉电话打进来”。当地互助社工作人员抱怨，“外地老板把我们害惨了，现在都没什么人来了”。当地银行业人士却称，“之前存钱到合作社的人员也已经开始慢慢回流”。

The end of October,Times weekly reporter in lianyungang/Irrigation south, visit,Local media said,"Every day there are complaints call waiting".The local support staff complain,"Foreign boss put us against miserable,Now no man come".The local bankers but says,"Before saving to cooperative staff have begun to slowly return".

　　“近几年，江苏部分地区农民资金互助合作社蓬勃发展，但因为监管缺位，乱象丛生，鱼龙混杂，很多都是假农户之手谋取自己利益。这类互助社基本是民不告，官不究。一旦出现问题，只能诉诸政府，由政府定夺。”社科院农村发展研究所副所长杜晓山告诉时代周报记者。

"In recent years,Jiangsu part of farmers in the cooperative vigorous development of mutual funds,But because of the absence of supervision,Mess cluster,Good and evil people mixed up,Many are false the hand of farmers for their interests.This kind of cooperatives is basic people did not tell,Officer let bygones be bygones.When problems arise,Can only resort to the government,Decide by the government."Academy of deputy director of the institute of rural development DuXiaoShan told reporters times weekly.

　　

每个乡镇至少一家 Each township at least one

　　据梁公祝向时代周报记者介绍，灌南县农民资金互助合作社起步比较早，从2008年底开始筹备创建，并派人去江苏盐城市学习当地经验。2009年3月，新集乡成立了全县第一家合作社—灌南县新民农民资金互助合作社。到同年底，全县14个乡镇共成立25家。

According to LiangGong wish to times weekly press is introduced,Mutual funds GuanNaXian farmers cooperatives started relatively early,From the end of 2008 began to preparatory to create,And sent jiangsu yancheng learning local experience.In march of 2009,XinJiXiang established the first a cooperative - GuanNaXian xinmin farmers capital mutual cooperatives.With the end of the year to,The county a total of 14 villages and towns 25th home.

　　连云港市总共才48家合作社中，灌南县占了25家。梁公祝告诉时代周报记者，“因为当时是创新，县领导下了任务，每个乡镇少则一家，多则3家。”

Lianyungang city to a total of 48 cooperative,GuanNaXian accounted for 25 home.LiangGong wish to tell time weekly newspaper reporters,"Because at that time is innovation,Under the leadership of the county of the task,Each township is a less,, three."

　　“其实，刚开始也有顾虑。但是因为有上面领导的支持，开业时农工部派人参加开业典礼，乡党委书记、乡长都出来剪彩，确认是公家的、没问题才存进去了。”五队乡村民张先生回忆起来也承认，其实还有一个很大的吸引来自高利率，能达到18%，比银行强很多。”

"In fact,Just began to also have concerns.But for the leadership of the above support,When practice NongGongBu sent people attended the opening ceremony,Township party committee secretary/The steward came out to cut the ribbon,The public is confirmed/No problem to put in."Five team township villagers Mr. Zhang recalled admits,There is also a big attract from higher interest rates,Can reach 18%,Than Banks strong many."

　　10月底，媒体爆出，灌南县“现代农民资金互助合作社”、“兴农农民资金互助合作社”等四家农民资金互助合作社上亿资金被挪用，主导者、涉嫌非法吸收公众存款的江苏龙诚集团有限公司（下称“龙诚集团”）董事长王明龙，已于投案自首。后经灌南县宣传部核实，这4家合作社共涉及约2500名储户，储额达1.1亿元人民币。

The end of October,Media was,GuanNaXian"Modern peasants' fund mutual cooperatives"/"Agriculture farmers capital mutual cooperatives"And four peasants' fund mutual cooperatives hundreds of millions of money be appropriated,leading/Suspected illegal absorbing public savings of jiangsu LongCheng group co., LTD(said"LongCheng group")The chairman WangMingLong,Who has been to surrender.By the propaganda department of GuanNaXian after verification,This four cooperative inoled a total of about 2500 savers,Store amounted to 110 million yuan RMB.

　　据了解，4家合作社的工作人员违规操作，做假账、高息吸储，将本该用于农业生产的资金挪至龙诚集团用作他途，并收取高额利息，赚取利差，后龙诚资金链断裂致东窗事发。

It is understood,Four cooperative staff illegal operation,Accounting fraud/Tight XiChu,Will was supposed to be used at agricultural production capital move to LongCheng group used as his way,And receive high interest,Earn interest margin,LongCheng after capital chain rupture to come to light.

　　对于灌南县社员来说，庆幸的是，该县及时对涉案互助合作社的资产、账目等进行封存，对涉案互助合作社的储户进行确认登记，并拿出专项资金4300万元进行兑付。

For GuanNaXian for members,The good news is,In the county to mutual cooperative assets involved/Accounts of seal,Involved in mutual cooperative savers to confirm the registration,And take special funds RMB 43 million yuan in cash.

　　兑付具体方法，《关于清退农民资金互助合作社社员互助金的公告》写道：对存入5000元以下的社员，合作社予以全额退还本金;存入金额在5000到1万的，退还本金总额的90%;存入1万-5万的，退还本金的60%;存入10万-50万的，退还本金总额的30%;存入50万-80万的，退还本金总额的20%;存入80万以上的，退还本金的10%。

Cash a specific method,[About farmers to repel capital mutual cooperative mutual gold announcement]wrote:To deposit 5000 yuan of the following members,Cooperatives shall refund the principal;The amount of deposit in 5000 to 10000,Refund 90% of the total principals,In 10000-50000,Refund 60% of the principal;In 100000-500000,Refund 30% of the total principals,In 500000-800000,Refund 20% of the total principals,In more than 800000,Refund 10% of the principal.

　　至于兑付资金来源，按媒体此前的说法，有灌南县财政资金。不过灌南县宣传部孟部长向时代周报记者否认了这个消息，“这些资金主要来源于合作社账户上的储额，还有一部分是江苏龙诚集团的清理资产，政府财政资金有规范的收支制度，这笔钱中并没有财政资金。”

As for cash a source of fund,According to the media had said,Have GuanNaXian financial capital.But GuanNaXian propaganda department minister meng to times weekly reporter denied the news,"These funds mainly come from cooperatives account store the forehead,And part is jiangsu LongCheng group cleaning assets,Government financial capital has regular payments system,The money and no financial capital."

　　据了解，创办于2004年的江苏龙诚集团，旗下有担保、娱乐、电商、房地产、金融期货等十多家子公司。出事前，王明龙及龙诚集团在盐城的民间集资总额约七八千万元。事发后，王明龙及其旗下龙诚集团在盐城的办公室被债权人抢砸一空。

It is understood,Founded in 2004, jiangsu LongCheng group,Its secured/entertainment/Electric business/Real estate/Financial futures and so on more than 10 subsidiaries.The advance,WangMingLong and LongCheng group in yancheng folk financing 78000 total about ten thousand yuan.After the incident,WangMingLong and its LongCheng group in yancheng office be creditors out the hit.

　　2012年10月31日，时代周报记者来到灌南县新安镇，当地镇财政分局相关负责人告知，“兑钱的去楼上填个单子就可以领取了”。得知是记者时告知，“大家心态都还好，能兑付就不错了，拿高利息数钱时候没想到政府。”

On October 31, 2012,Times weekly reporters came to GuanNaXian XinAnZhen,The local branch of town finance the relevant person in charge told,"Against the money to go upstairs to fill in a form can be gotten".That is correspondent to inform,"We are still good mentality,Can cash a good,Take high interest number money time didn't expect the government."

　　但当地村民却告诉时代周报记者，不乐观，没有一次性支取完的村民担心“剩下的钱猴年马月能领回来”，存款数额较大的农民心里不平衡，“存钱想得点利息，现在出事后，利息没有，本钱拿回只有1/10，还要承担1-2年的负利息。”

But local villagers are told reporters times weekly,Not optimistic,No one-time finish on the villagers worry"The rest of the money one of these years will bring back",Deposit large amount of farmers in the mind unbalance,"Saving money want to have some interest,Now after the,Interest not,Capital take back only 1/10,And you have 1-2 years of negative interest rates."

　　

恐慌弥漫 Panic diffuse

　　“灌南社员就知足吧，我们这边没人搭理了”。与灌南县社员顺利拿到钱不同，很早就开始讨债之旅的连云港市东阳农村经济信息专业合作社社员武女士，现在很绝望，也很后悔。

"Irrigation south members's content,Us no one to talk to the".And GuanNaXian members successfully get money different,Very early trip to pay the rent of lianyungang city dongyang rural economic information professional cooperative ms wu,Now very desperate,Also regret.

　　“当初是因为有朋友的侄女应聘在里面工作，有吸储任务。”武女士告诉时代周报记者，“想想利率也不高，存10万，到期所得14.4%，介于高利贷和银行利率之间，有领导支持，到处搞活动发单子，当地报纸也宣传过，应该没啥问题”。

"At the beginning because a friend's niece apply for work in it,Have XiChu task."Ms wu told reporters times weekly,"Think about interest rate is not high also,Deposit 100000,Maturity income 14.4%,Between usury and between bank interest rate,A leader support,Everywhere make activities send list,Local newspapers have also propaganda,Should do not have what problem".

　　武女士介绍，“开始只是社员入股，后来说有大项目，而且有社员到合作社投资地考察过，项目都是政府支持的项目，又有亲戚朋友陆续增加，有朋友投了130万”。

Ms wu is introduced,"It started in membership,Then said a great project,And there are members to cooperative investment checks,The project is government support project,And have friends and relatives increase in succession,Has a friend threw 1.3 million".

　　武女士所在的连云港市东阳农村经济信息专业合作社位于连云港新浦区，去年年初刚开业，今年5月份即宣告倒闭。“因为幕后老板刘荣秀同时还是沭阳县信联农村经济信息专业合作社法人代表，今年4月，刘秀荣涉嫌犯罪被沭阳警方逮捕”。

Ms wu in lianyungang city dongyang rural economic information professional cooperatives located in lianyungang XinPuOu,At the beginning of last year has just opened,In may this year is declared go bankrupt."Because the boss LiuRongXiu at the same time or shuyang letter league rural economic information professional cooperatives legal representative,In April this year,LiuXiuRong suspected criminal was ShuYang police arrested".

　　据武女士告知，“邳州市信联农村经济信息专业合作社及其分社的法人也是刘荣秀。连云港市这个合作社可以说是加盟的，负责人杨远实际上是刘荣秀外聘的，平时到市里跑关系”。

According to ms wu told,"Pizhou letter league rural economic information professional cooperatives and its branch office of legal person is also LiuRongXiu.Lianyungang city the cooperatives can be said to be joined,Person in charge YangYuan is actually the LiuRongXiu external,At ordinary times to the city run relationship".

　　按合作社法相关规定，农民专业合作社的理事长不得兼任业务性质相同的其他农民专业合作社的理事长。但刘荣秀同时担任沭阳县信联合作社理事长和连云港市东阳农村经济信息专业合作社理事长。

Cooperative method according to relevant provisions,The director general of farmers' professional co-operatives shall not concurrently hold business nature of the same other farmers' professional co-operatives's chair.But at the same time as LiuRongXiu shuyang believe united cooperatives of lianyungang city and dongyang rural economic information of professional cooperatives.

　　“刘秀荣本来也就是个天不怕地不怕的农村女人，但为人活络，跟农业部农村经济研究中心领导很熟，对合作社的空子很清楚”。据当地合作社社员提供给时代周报记者的资料上，刘秀荣利用各地农民资金互助合作社集资的模式已成熟，比如服务项目分为，投资股、保险股、借款等，而且投资股还细分为三个时间段：三个月、六个月和一年。

"LiuXiuRong was also is a fearless rural women,But is adjustable,The ministry of agriculture and the rural economy research center leadership very well,To take advantage of the loopholes in the cooperative very clearly".According to the local cooperative provide times weekly reporters on the material,LiuXiuRong use of local peasant capital mutual cooperative financing pattern already mature,Such as service project is divided into,Investment shares/Insurance stocks/Loan, etc,And investment shares is subdivided into three periods:Three months/Six months and one year.

　　出事后，以武女士为主的社员代表曾到市政府交涉，“市里态度是"愿赌服输，投资有风险，总有一个过程"”。后经与市政府沟通，“因为涉案主谋在沭阳，案子已经由沭阳警方侦办”。

After the,Ms wu mainly to representatives of members have to negotiate the municipal government,"City attitude is"Willing to bet on competitive,Investment risk,There is always a process"".With the municipal government after the communication,"Because the masterminds involved in ShuYang,The case has ShuYang investigation by the police".

　　“但沭阳警方的答复，就是让我们等通知，案情复杂，涉及人数众多，正在查处资金的去向。可是要等到何年何月？”据合作社员透露，“刘荣秀把其中一千多万都投入房地产了，还有一部分拿给徐州市钱姓商人去放高利贷了。”

"But ShuYang police answer,Is let us wait for notice,Details of a case is complex,Number involved,And where is money.But to wait for the qualifications?"According to the cooperative members revealed,"LiuRongXiu put more than one thousand of them in the real estate,And part of the money to xuzhou surname businessman to put the usury."

　　灌南县政府及时出钱兑付也引发了他们内心的不平衡，“为什么他们那边政府可以先期兑付，我们这边就没人管？”这种不平衡的心态在徐州、邳州、盐城等当地社员普遍存在。

GuanNaXian government timely pay cash also led to their inner imbalance,"Why are they there government can advance cash,Our side nobody tube?"The unbalanced state of mind in xuzhou/headquarters/Yancheng local members such as universal existence.

　　今年8月份，江苏省盐城市金钰专业合作社因负责人张学超资金链断裂，被爆倒闭。据当地合作社社员朱先生向时代周报记者透露，同属负责人张学超名下盐城市金钰投资有限公司的，还有多处合作社倒闭，涉及金额近2000万，数百名储户无法兑付。

In August of this year,Yancheng city in jiangsu province JinYu professional cooperatives head for ZhangXueChao capital chain rupture,Blasting collapse.According to the local cooperative Mr. Chu to times weekly reporter revealed,Belong to the person in charge ZhangXueChao name JinYu investment co., LTD. Of yancheng city,There are several cooperatives collapse,Involving amounted to nearly 20 million,Hundreds of depositor can't cash.

　　“到现在好几个月了，每天都有老百姓拿着存单到县政府上访讨说法。但根本看不到还款计划。哪怕政府拿出一点点灌南县的姿态，老百姓情绪也会好很多。”朱先告诉时代周报记者，“但现在他们反倒把责任推到老百姓身上，说老百姓贪心，你说物价这么高，让老百姓怎么办？”

"Now for some months,Every day there are people with a certificate of deposit to the county government petitions for saying.But see no repayment schedule.Even if the government took out a little bit of GuanNaXian attitude,Common people emotions may be much better."ZhuXian told reporters times weekly,"But now they but put the blame on to common people,Said people greedy,You said prices so high,Let people do?"

　　据了解，除灌南外，相继爆出的江苏连云港、徐州、邳州、沭阳、盐城等多宗合作社集资案件，共涉及金额达8000多万。其中，沭阳县信联农村经济信息专业合作社及其分社涉案资金1200多万、邳州市信联农村经济信息专业合作社及其分社涉案资金300多万；徐州苏阳农村经济信息专业合作社及其分社累计入社资金达3000余万，盐城市金钰专业合作社、北龙港镇等合作社涉及2000万元。

It is understood,In addition to filling the south,Successive explode of jiangsu lianyungang/xuzhou/headquarters/ShuYang/Yancheng and a number of cooperative financing case,The amount of inoled a total of more than 8000.the,Shuyang letter league rural economic information professional cooperatives and its branch office involved more than 1200 funds/Pizhou letter league rural economic information professional cooperatives and its branch office involved more than 300 funds;Xuzhou su Yang rural economic information professional cooperatives and its branch office accumulated into social capital more than 3000,Yancheng JinYu professional cooperatives/North city longgangtian etc cooperatives involving 20 million yuan.

　　

严重异化 Serious alienation

　　2006年底，为了解决我国农村地区金融供给不足等问题，银监会放宽了农村地区银行业金融机构准入政策，村镇银行、贷款公司和农村资金互助社等三类新型农村金融机构由此起步发展。2007年初，银监会印发《农村资金互助社示范章程》。

By the end of 2006,In order to solve the financial supply in rural areas such problems as the limited,The CBRC to relax the rural area banking financial institutions access policy,Town bank/Loan company and rural fund cooperatives and three kinds of new type of rural financial institutions which started development.At the beginning of 2007,Issued by the banking regulatory commission (CBRC)[The articles of association of the rural mutual cooperatives demonstration].

　　据北京农信之家统计，目前，我国的资金互助组织主要分为以下三类：第一类是经银监会批准在工商部门注册的农村资金互助社，截至2012年6月，共有49家；第二类是国务院扶贫办和财政部支持的村级扶贫互助社，已达万家；第三类是地方政府引导和农民自发设立的农民资金互助社，主要分布在吉林、江苏、河南、河北、山东等地，大概有5000多家，江苏盐城、吉林四平、河南信阳等地尤为集中，几乎每个乡镇都有一家。

According to the statistics of its Beijing home,At present,China's capital mutual organization mainly divided into the following three categories:The first kind is the approval of the banking regulatory commission of the ministry of commerce of the registration of the rural mutual cooperatives,By June 2012,49 home;The second type is poverty relief office of the state council and the ministry of finance jointly in support of the village-level poverty alleviation,Has reached;The third kind is the local government guidance and the farmers set up farmers cooperatives funds,The main distribution in jilin/jiangsu/henan/hebei/Shandong province and other,Probably more than 5000,Jiangsu yancheng/In siping, jilin/Xinyang, henan is concentrated,Almost every town has a.

　　“农村资金互助社与农民资金互助合作社听起来相似，但区别大了。”北京农信之家秘书长谢勇模告诉时代周报记者，“江苏没有一家获得银监会发的金融牌照，大部分都是登记为"民办非企业单位"的农民资金互助合作社，虽然也从事金融业务，但实际并不在银监部门的监管范围内”。

"The rural mutual cooperatives and farmers capital mutual cooperatives sound similar,But the big difference."Its Beijing home secretary general XieYongMo told reporters times weekly,"Jiangsu is a financial license for banking regulatory commission (CBRC) hair,Most of them are registered as"People-run non-enterprise units"Farmers capital mutual cooperatives,Although in the financial business,But the practice is not silver in the prison department within the scope of supervision".

　　根据《江苏省农民专业合作社条例》规定，农民专业合作社为满足成员生产、生活资金需求，可以在本社内部组织成员开展资金互助，但不得对外吸储和放贷。

According to[Jiangsu province farmers' professional co-operatives regulations]provisions,Farmers' professional cooperatives to meet members production/Life fund demand,Can be in our club members to carry out internal capital mutual,But not foreign XiChu and lending.

　　“但事实是，这类资金互助合作社因为监管空白、身份不明以致发展无序、参差不齐，已经发生严重异化。各类市场主体纷纷进入农村市场设立机构，甚至有投资公司和担保公司翻牌成资金互助组织，所谓"披着合作社的外衣，实际上在放高利贷"。”谢勇模告诉记者。

"But the fact is,This kind of capital mutual cooperatives for supervision blank/Unknown identity disorder that development/unevenness,Has serious alienation.All kinds of market main body in the rural market in an organization,There is even investment company and guarantee company flop into mutual funds organization,The so-called"Covered with cooperative coat,In fact in the usury"."XieYongMo told reporters.

　　“比如，灌南县这4家资金互助社，从其组织形式上，已经不是合作制；而真正的合作制是限制大股东的，比如说银监会规定合作社的最大股东不得超过总股金的10%，灌南县这4家资金互助社，利益主体已经成了江苏龙诚集团；连云港、宿迁这几家合作社的利益主体已经成了刘秀荣。”谢勇模指出。

"For example,GuanNaXian this four mutual cooperative,From its organization form,Is not cooperative system;And the true cooperation is to limit the major shareholder,For example the CBRC provisions cooperative biggest shareholder shall not exceed 10% of the total capital stock,GuanNaXian this four mutual cooperative,Benefit main body has become a jiangsu LongCheng group;lianyungang/Suqian this several cooperative benefit main body has become a LiuXiuRong."XieYongMo pointed out that.

　　根据《江苏省盐城市农民资金互助合作社试点监督管理办法（试行）》，“合作社发展社员和资金融通严格限制在一个村或几个村，最多不超过一个乡镇范围。不得跨区域开展业务，不得对城市居民和单位开展业务。同一区域内不得重复设立分社或分部。”

According to[Yancheng city in jiangsu province farmer capital mutual cooperatives pilot supervision and management measures(trial)],"Cooperative development membership and financing strictly limited in a village or several village,At most one of villages and towns.Shall not cross area to carry out business,Not to urban residents and business units.The same area shall not repeat set up branch office or division."

　　“但目前很多地方推动农民资金互助合作社，已经脱离了原来的设想，说好听点是为了活跃地方经济，难听点，更多是一种政绩工程”。“三农”问题研究专家李昌平在接受时代周报记者采访时表示。据了解，江苏部分地区已经出现县一级别的资金互助合作社。

"But now many places of mutual funds to promote farmers cooperatives,Have been away from the original idea,Say orphean dot is to stimulate the local economy,Offensive point,More is a kind of achievements project"."Agriculture, countryside and farmers"Problem research experts LiChangPing in accepting times weekly reporter to interview said.It is understood,Parts of jiangsu province has been county level other capital mutual cooperatives.

　　在李昌平看来，农民资金互助合作社不应超出村一级别的范围，超出村的级别，成本变高，风险也不可控。合作社的社员之间互不认识，不清楚合作社的运营情况，没办法监管。“中国是个熟人社会，农民离开了熟人社会就很难讲信誉。”

In LiChangPing seems,Peasants' fund mutual cooperatives should not be beyond the village level other range,Beyond the village level,Cost variable high,Risk is not controlled.Cooperative members not know each other,Not clear cooperative operation situation,Can't supervision."China is a acquaintances society,Farmers left acquaintances society is difficult to credibility."

　　其实，现任省人大常委会副主任丁解民早在2009年《关于盐城农民资金互助合作组织发展情况的调查报告》中，就指出合作社存在分红比例过高、变相吸收公众存款、高息揽存等问题。

In fact,The current deputy director of the provincial DingXieMin as early as in 2009[Yancheng farmers about capital mutual cooperation organization development report]in,It points out that cooperatives existing high proportion of share out bonus/Disguised absorbing public savings/Dear LanCun problems.

　　

监管缺位 Supervision vacancy

　　在很多专家看来，此类合作社因为缺乏专业的监管，出事是早晚的事情。

In many experts believe,Such cooperatives because of the lack of professional supervision,The accident is sooner or later things.

　　据梁公祝介绍，事发前，农工部也对这些合作社进行了认真审查，农工部每年会对合作社工作人员进行培训，让有资质的会计事务所对合作社财务进行年审。“但犯罪分子防不胜防，联合四家合作社的负责人一起做假账欺骗，我们也没有办法。”

According to LiangGong ZhuJieShao,Before the,NongGongBu also for these cooperatives of a careful examination,Every year NongGongBu for cooperative work personnel training,Let qualified accounting firm to cooperative finance year careful."But the criminal scout,The head of the joint four cooperative together accounting fraud deception,We also have no way."

　　据时代周报记者了解，灌云县农工部负责监管的20余名工作人员，并没有相应的金融知识背景和相关工作经验。

According to reporter understanding times weekly,Responsible for the supervision of NongGongBu visit guanyun county more than 20 employees,And no corresponding financial knowledge background and related working experience.

　　“虽说按规定，谁批准谁管理，但农工部根本不懂金融，怎么监管？”杜晓山告诉时代周报记者，“金融本身就是高风险的行业，应该有专业的人在做这件事，建议地方政府一定要金融系统的人纳入进去，金融办、人民银行、银监等部门应该形成合力。”

"Although according to regulations,Who who approved by management,But NongGongBu doesn't understand financial,How to supervision?"DuXiaoShan told reporters times weekly,"Financial itself is high-risk industry,There should be a professional in doing this job,Suggest the local government must financial system in people into,Financial do/People's bank of/Silver prison departments should form a resultant force."

　　在杜晓山看来，“其实，这种事情省里必须要有个说法，拿出一个规定或办法，由市级别或者县一级别来执行。严肃整顿，分类指导，把坏的关掉，好的规范。”

In DuXiaoShan seems,"In fact,This kind of thing province must have a view,Take out a regulation or way,The municipal or county level a level to perform.Serious rectification,Classification guidance,The bad turn off,Good standard."

　　11月16日，在北京举行的小微金融60人论坛上，江苏省金融办综合处处长钱东平在接受时代周报记者采访时表示，“省金融办还没有介入相关的监管，暂时对此事还不好评论”。

November 16,Held in Beijing little micro financial 60 people on the BBS,Jiangsu province finance do division director QianDong flat in accepting times weekly reporter to interview said,"Provincial financial do have not involved in regulation,Temporary about it't comment on it".

　　“上面不管，只好我们自己想办法了。”时代周报记者将此说法转告给梁公祝，其告知，“灌南县此次事件之后，该县对县内其余21家互助合作社的运营情况开展专项检查，区金融办、区农工办及区民政部门已经联合，及时跟踪监控各农民资金互助合作社的运营。”

"It no matter,We have to think of a way to the."Times weekly reporters will tell this is to LiangGong wish,Its told,"GuanNaXian after the incident,The rest of the county and 21 mutual cooperative operation situation to carry out special inspection,Financial district to do/Area farmers do and district civil affairs departments have joint,Timely tracking monitoring the peasants' fund mutual cooperative operation."

　　值得注意的是，据悉，近日，连云港市已经出台《连云港市农民资金互助专业合作社监督管理办法（试行）》。办法对如何建立风险调控机制也进行了明确规定，如建立资本充足率制度、备付金制度、呆账准备金提取制度、放款限额管理制度、内部稽核制度等。

It is important to note that,It is reported,recently,Lianyungang city has been issued[Lianyungang city farmers capital mutual professional cooperatives supervision and management measures(trial)].Measures on how to establish the risk control mechanism is also carried out specific provision,If establish capital adequacy ratio system/Excess reserves system/Bad debt reserve extraction system/Loan quota management system/The internal audit system, etc.

　　曾推动全国首家资金互助社成立被誉为“农村资金互助社之父”的姜柏林认为，目前资金互助合作社的问题并不是资金互助合作社本身的问题，而是监督和市场配套的问题，“资金互助合作社需要行业自律与政府监管，必须通过监管划清是非，打击非法的，保护合法的。”

Once promote national first mutual cooperative was regarded as established"The father of the rural mutual cooperatives"JiangBaiLin think of,At present capital mutual cooperative problem and is not capital mutual cooperatives itself,But supervision and market matching problem,"Capital mutual cooperatives need self-discipline and government regulation,Must be through the supervision and make a clear distinction,Against illegal,Protection legal."

　　“2012年中央1号文件明确提出：有序发展农村资金互助组织，引导农民专业合作社规范开展信用合作，意味着在今后一段时间内规范发展农村资金互助社成为主题。”谢勇模向时代周报记者透露，“早在去年，农业部已经牵头出台《农民资金互助合作社管理条例》，草案已经出台。但因为各个部门有争议，暂时搁置”。

"In 2012 the no. 1 files clearly put forward:Orderly development of rural capital mutual aid organization,Guide farmers' professional co-operatives standard carry out credit cooperation,Means that in the next period of time regulate the development of rural fund cooperatives become theme."XieYongMo to times weekly reporter revealed,"As early as in last year,The department has issued the lead[Farmers cooperative management regulations of mutual funds],Has issued draft.But for all departments have the dispute,Shelved for the time being".

　　今年2月，在一次合作社座谈会上，农业部农村经济体制与经济管理司孙中华司长透露，拟出台一份专门针对合作社的文件，其中包含如何规范合作社内部信用合作的问题。据悉，孙中华司长强调，“国务院已经作出部署，指定央行、银监会牵头，相关部委配合，尽快拿出一个具体的管理办法。”

February,In a cooperative forum,The ministry of agriculture rural economic system and economic management SunZhongHua priests revealed,Quasi issued a specialized cooperative file,It includes how to standardize cooperatives internal credit cooperative problem.It is reported,SunZhongHua priests stressed,"The state council has made deployment,Designated central bank/The CBRC lead,With related ministries and commissions,As soon as possible take out a specific management measures."