CAJ | 학술논문

目前，黑龙江省农村新型经营主体融资仍然是以银行贷款为主，其融资呈现出支付利息多、风险高、贷款中间环节多、费用大、评估费和担保费用高等特点，面临着贷款难、融资贵的问题。解决这些问题，农村新型经营主体要不断完善自身融资条件，拓宽融资渠道；形成金融立体服务网，降低贷款利率；组成多个信用联合体，实行统一授信，确定总的授信额度；加大对担保、评估公司的业务监管，破解法律在集体土地方面规定对农村新型经营主体的禁锢；加快农村新型经营主体信用信息平台建设。
목전，흑룡강성농촌신형경영주체융자잉연시이은행대관위주，기융자정현출지부이식다、풍험고、대관중간배절다、비용대、평고비화담보비용고등특점，면림착대관난、융자귀적문제。해결저사문제，농촌신형경영주체요불단완선자신융자조건，탁관융자거도；형성금융입체복무망，강저대관리솔；조성다개신용연합체，실행통일수신，학정총적수신액도；가대대담보、평고공사적업무감관，파해법률재집체토지방면규정대농촌신형경영주체적금고；가쾌농촌신형경영주체신용신식평태건설。
The new rural operators in Heilongjiang province now are still dominated by bank loan, which shows the characteristics in terms of more interest payment, high risk, more intermediate links and large valuation fee and security cost, and the problems in terms of difficult loan and expensive financing. In order to solve these problems, the new rural operators should improve their own financing conditions to broaden the financing channels, establish a stereoscopic financial service network to lower loan interest rates, form multiple credit union to carry out a unified credit to determine the total credit line, increase the practices management to guarantee and assessment company to break the law imprisonment in the aspect of collective land, and accelerate the construction of the credit information platform.