黑龙江省农贷资金供给矛盾的反思与法律对策路径的重构——以金融法为视角

Reflection on Heilongjiang Agricultural Loan Money Supply Contradictions and Legal Countermeasures for the Reconstruction of the Path——In perspective of financial laws

黑龙江省农户融资需求度非常高,但每年涉农贷款余额却在逐年上升,农户不符合正规金融机构的贷款条件,缺乏有效的担保物,造成农贷难、难农贷的窘境。农村金融支持制度中功能性供给的欠缺中断了资金供给和需求之间的联系,严重制约了黑龙江省农村经济的发展。应当尽快放宽抵押品,扩大担保物范围,引入农地金融制度以解决农户难农贷困境,并在黑龙江省率先建立农业贷款保证金法律制度,分散农村信贷风险以解决金融机构农贷难的矛盾。

Heilongjiang farmers' financing demand degree is very high,but the agriculture loan balance in our province is rising year by year;farmers do not conform to the formal financial institutions lending conditions,lack of effective security,resulted in the situation of farmers' agricultural loan difficult,and bank difficult to the agricultural credit too.The rural financial support system lacking of functional supply interrupted capital supply and demand,and restricted the development of the rural economy in Heilongjiang province.We should relax collateral as soon as possible,expand the scope of guaranty,the introduction of farmland financial system in order to solve farmers difficult predicament,and agricultural loan in Heilongjiang province took the lead in the establishment agriculture loan security legal system,scattered rural credit risk in order to solve financial institutions' agricultural credit difficult.