黑龙江省农村金融风险防范对策研究

Research on Rural Financial Risk Prevention Measures in Heilongjiang Province

黑龙江省作为唯一一个发展现代化大农业省份,其农村经济作为重要的经济组成部分,对全省经济的发展起着举足轻重的作用。但目前,我省农村的经济基础较城市薄弱,个人的金融业务规模相对较小,由于大量不规范的金融活动的存在,也使得我省农村金融存在着农村信用体系的缺失、资金外流加剧、金融监管和风险防范体系不健全等问题,针对这些问题提出了重塑农村信用体系、加大信贷投放力度、建立科学有效的管理手段和内控制度等一系列对策,改善我省农村金融环境。

Heilongjiang as the only province developing modern large-scare agricultural,and its rural economy,as an important economic component,plays a decisive role for the development of the whole province.But at present,the rural economic basis is relatively weaker than city＇s,the scare of personal finance business is relatively small,as a result of the existence of the massive non-standard financial activities,which also leads to some problems appearing in our province rural finance that is lack of the rural credit system,the intensification of capital outflow,financial supervision and risk prevention system,etc,in response to these issues,put forward some measures that include reshaping the rural credit system,increasing the dynamics of credit loan placement,establishing scientific and efficient management means and internal control system,etc a series of measures,in order to improve rural financial environment.