中文摘要：

信用是市场经济的基础,也是市场经济的必然产物,因此,信用风险一旦发生就会对经济发展产生诸多不利影响,在金融领域的影响尤为严重。中国作为一个农业大国,农村金融领域发生信用风险就会严重地制约经济的总体发展水平。因此,从农村金融的角度,以黑龙江省为例,提出合理防范农村金融领域的信用风险,对黑龙江省整体县域经济发展具有重要意义。基于此,分析了农村金融领域信用风险产生的原因和对区域性农业经济发展的影响,提出了相应的风险防范措施.

英文摘要：

Credit is the basis of a market economy and market economy must, therefore, the credit risk when there will be for economic development have many adverse impact on financial sector is particularly serious impact.Chinese as an agricultural country, the rural financial sector in the credit risk will be severely restricts the overall development of china＇s economy. Try from the rural financial point of view, in Heilongjiang province, for example, the proper claim against the rural financial sector of the credit risk on Heilongjiang province and county economy overall significance and the rural financial sector credit risks for regional economic development and to agriculture, presents the corresponding risk prevention measures.