授信风险视角下乡镇企业融资困境及其法律对策

孟 大 淇

授信风险视角下乡镇企业融资困境及其法律对策

引用本文：孟大淇.授信风险视角下乡镇企业融资困境及其法律对策[J].财经理论与实践,2022,(1):139-145

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作者	单位
孟大淇	（浙江大学光华法学院，浙江杭州 310008）

中文摘要:对乡镇企业融资难的问题，可以结合我国现有法律有关规定，通过在合同中约定乡镇企业具体的资金用途、约定贷款人在危机时刻摆脱合同的终止权、引入授权额度框架协议、完善农村土地抵押流转的制度规范以及通过立法和政策的共同努力构建乡村系统信用等方式，有针对性地提高乡镇企业的融资能力，促进乡村经济更好、更快地发展。

中文关键词:乡村振兴《民法典》借款协议授信风险信任体系

The Financing Dilemma and Countermeasures of Township Enterprises from the Perspective of Credit risk

Abstract:With regard to the financing difficulties of township and village enterprises, we can combine the relevant provisions of the Civil Code to stipulate in the contract the specific use of funds for township and village enterprises, stipulate that the lender will get rid of the right to terminate the contract in times of crisis, introduce a framework agreement for authorization limits, and improve rural areas. The institutional norms for the circulation of land mortgages and the joint efforts of legislation and policies to build rural system credit are targeted to improve the financing capacity of township enterprises and promote better and faster development of the rural economy.

keywords:rural revival Civil Code loan contract credit risk trust system

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