近几年来来，随着黑龙江省农村小额贷款公司试点的快速发展，在一定程度上加大了农村金融供给，提高了农民收入水平，加快了农村经济发展，也为农村地区就业难问题提供了新的融资渠道。为了保证小额贷款公司持续发展，进一步解决好农村金融问题，黑龙江省应切实解决仍然存在着的小额贷款公司身份地位模糊，主体定位不明；后续资金不足，融资渠道有限；缺乏有效的外部监管；风险控制机制不完善，抗风险能力弱等一系列问题。应尽快明确小额贷款公司身份性质和法律地位，拓宽融资渠道，加大政府扶持力度，加强风险管理，提高税收优惠政策完善风险控制机制，从而促进农村小额贷款公司在黑龙江省的可持续发展。%In recent years, the rapid development of pilot rural small loan companies in Heilongjiang has increased the financial supply to rural areas, improved the income of rural residents, accelerated the rural economic development, and provided new financing channels for employment difficulty to a certain extent. These companies still have some issues in terms of fuzzy status and ambiguous subject position-ing, lack of follow-up funds and limited financing channels, no effective external supervision, incomplete risk control mechanism, and weak anti-risk capability. In order to ensure the sustainable development of small loan companies, the government should define the na-ture, identity and legal status of these companies, help expand financing channels, increase government support, enhance risk manage-ment, and improve tax incentives and risk control mechanisms.
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