中文摘要：

近十年来,民间资本在黑龙江省各领域的利用情况日趋增多,发展潜力大。金融市场的投资环境改善,使得黑龙江省对民间资本的需求日益扩大。黑龙江省银行业可通过参股、合资、独资新设和兼并收购四种可行性模式吸收民间资本,黑龙江银行业应健全相关法律法规,加大财政扶持倾斜力度,使民间资本合法有序、稳健顺畅地进入银行业;建立风险防控和组织管理机制、完善信用评估体系,使民间资本安全可控、益于公众;创新银行业务服务,优化金融文化环境,为民间资本开辟新天地,并使其获得长效发展,从而强化黑龙江省银行业融资结构,促进全省经济增长。

英文摘要：

In the past ten years,private capital utilization in the field of Heilongjiang province each increasingly grow in quantity,development potential,improve investment environment,the financial markets makes the growing demand for private capital in Heilongjiang province. The banking industries in Heilongjiang province can absorb private capitals through four feasibility mode： equity participation,joint venture,new sole proprietorship,and mergers and acquisition. Heilongjiang banks should improve relevant laws and regulations,increase financial support,make private capitals legal and orderly,steady smoothly into the banking industries; establish risk prevention and control and organization management mechanism,improve credit evaluation system,make private capital safety and controllable,beneficial to the public; innovate banking services,optimize the financial and cultural environment,open up new possibilities for private capitals,and make them obtain long- term development,then strengthen the financing structure of banking industries and promote the economic growth of Heilongjiang province.