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　　当前，新型城镇化建设已经成为中央高层的共识。作为服务业，金融应为新型城镇化建设作贡献，同时，也为自身进一步发展找到新的增长极。

The current,The new urbanization construction has become the consensus of the top.As a service industry,Financial should contribute new urbanization construction,At the same time,For its further development and find a new growth pole.

　　现在来看，金融在城镇化建设中的着力点主要是基础设施建设、农业现代化和农民非农化。其中，城镇基础设施建设基本属于公共物品或准公共物品，具有非竞争性和非排他性的特征。所以，相关资金投入应当属于政府投资范畴。但是，城镇基础设施建设资本占用数量大、成本回收时间长，单纯依靠财政资金而没有金融的大力支持，实际很难有大的作为。

Now let's have a look at,Financial in urbanization construction of the main is infrastructure construction/Agricultural modernization and farmers conversion.the,Urban infrastructure construction basic belong to public goods or quasi-public goods,Has the non-competitive and non-exclusive characteristics.so,Relevant funds shall belong to the government investment category.but,Urban infrastructure construction capital occupancy amount/Cost recovery time is long,Simply rely on financial capital without financial support,It is difficult to make a practical.

　　从农业现代化来看，它是一个高投入、高产出的农业转化过程，最初主要依靠政府部门给予资金支持，同时政府还要出台优惠政策，促进农业机械化、农业技术科学化和农业产业化的发展。但随着新型城镇化建设的不断推进，金融的支持作用将日益凸显。

From agricultural modernization,It is a high investment/A high yield of agricultural transformation process,Initially rely mainly on the government to give financial support,The government also issued preferential policies,Promoting agricultural mechanization/Agricultural scientific and technical development of the industrialization of agriculture.But with the new urbanization advancement,Financial support will increasingly prominent role.

　　此外，在农民向城镇居民转换的非农化过程中，金融的主要作用是支持生产生活方式的转换。一旦农民脱离土地，无论是养老、医疗，还是子女教育，都需要金融提供支持。同时，为满足农民自主创业和就业需要，还要提供大量的创业贷款和风险投资，以后，伴随着企业生产经营的扩大，就要进一步增加贷款规模，甚至上农业保险等等。总而言之，金融很有用武之地。

In addition,The farmers to the urban residents in the process of transformation of the conversion,Financial's main function is to support production lifestyle conversion.Once the farmers off their land,Whether endowment/medical,Or children education,All need financial support.At the same time,To meet the farmers' own business and employment needs,But also provides a lot of business loans and investment risk,later,With the enlargement of enterprise production and management,Will further increase the size of the loan,Even on agricultural insurance, and so on.overall,Financial is very useful.

　　单就金融部门来说，重点是制定更加有力的政策措施，督促银行业金融机构发挥更大作用。今年以来，银监会针对小微企业贷款政策有所调整，提出了“贷款增速不低于平均贷款增速，贷款户数不低于上年”的新工作目标。那么，在新型城镇化建设当中，银监会完全可以比照上述做法，建立相关信贷投向监测制度，要求银行业金融机构将一定数量或比例的资金投入城镇化建设。同时，鼓励银行业金融机构在县域增设金融网点，加强人员配备，将更多的金融产品和信贷资金引向城镇。另一方面，货币当局可以针对县域住房按揭贷款实施更为优惠的利率政策，考虑将首套房贷款利率下限扩大到基准利率的0.6-0.7倍，且不上调二套房贷款利率；同时，考虑针对城镇基础设施建设贷款给予政策性优惠利率。

One is for the financial sector,Key is to develop more effective policy measures,Supervise the banking financial institutions play a bigger role.Since this year,The CBRC for small micro enterprise loan policies have to be adjusted,Puts forward the"Loan growth is not lower than average loan growth,Loan of households are not lower than the previous year"New job target.so,In the new type of urbanization,The banking regulatory commission (CBRC) can in practice,Establish relevant credit to the monitoring system,For financial institutions in the banking industry will be a certain amount or proportion of capital investment in the construction of urbanization.At the same time,Encourage financial institutions in the banking industry in the county additional financial network,Strengthen personnel,Will be more financial products and credit funds to town.On the other hand,Monetary authorities on county housing mortgage loan implementation more favorable interest rate policy,Consider the first suite loan interest rate lower limit expanded to benchmark interest rate of 0.6 to 0.7 times,And don't raise the second suite loan interest rate;At the same time,Consider for urban infrastructure construction loan to give preferential interest rate policy.

　　就银行业金融机构自身讲，关键是找准定位、各司其职、协同作战。比如，政策性银行应当在新型城镇化建设中发挥先导作用，专门满足城镇化基础设施建设的贷款需求；农村合作金融机构以及村镇银行等新型农村金融机构应当发挥主导作用，重点支持农业产业化发展以及农产品结构调整等等，同时，针对那些确有需求潜力以及就业容量较大的城镇第三产业，加大信贷投入；国有商业银行、股份制银行以及城商行应当发挥补充作用，在健全城镇功能和发展城镇社会服务中寻找商机。此外，对于那些具备条件的小额贷款公司，应当解放思想，真正允许它们升格为村镇银行，充分发挥它们贴近城镇和快速灵活等特点。

Is the banking financial institutions themselves speak,The key is to find accurate positioning/Each doing his own job/together.Such as,Policy Banks ought to be in the new urbanization construction play a leading role,Special meet urbanization infrastructure construction of loan demand;Rural cooperative financial institutions and village Banks and other new type of rural financial institutions should play a leading role,Key support of the development of the agricultural industrialization and agricultural structure adjustment, etc,At the same time,For those who have potential demand and employment capacity is big town of the third industry,Increase credit investment;State-owned commercial Banks/Joint-stock Banks and city firms should play a supplementary role,In perfecting the urban functions and development of the urban social service for business opportunities.In addition,For those who have a condition of small loan companies,Should emancipate the mind,Really allow their upgraded to town bank,Give full play to their close to town and quick agile etc.

　　还要进一步拓宽融资渠道，增强新型城镇化建设的财力。例如，可以按照“谁投资，谁受益”原则，鼓励和引导社会资金参与新型城镇化建设。一方面，通过个人或企业委托贷款形式，充分吸纳民间资本，进一步增强银行业金融机构支持城镇化建设的资金实力。另一方面，区别城镇化建设项目不同，灵活采用BOT、PPP等不同的项目融资方式，广泛动员一切可以利用的社会资金。需要补充说明的是，在新型城镇化建设初始阶段，其金融风险不可低估，不宜采取大规模资产证券化手段，否则要么可能引发区域性、系统性金融风险，要么可能使地方政府的隐性负债无限膨胀，全面加剧国家财政风险。

Need to further broaden the financing channels,Strengthen the new urbanization construction of financial resources.Such as,Can be in accordance with the"Who investment,Who benefit from"principle,Encourage and guide the social capital to participate in the new urbanization construction.On the one hand,Through the individual or enterprise entrust loan form,Fully absorb folk capital,To further strengthen the banking financial institutions to support the urbanization construction of financial strength.On the other hand,The difference between different urbanization construction projects,Agile BOT/PPP and so on the different project financing,Widely mobilize all can use of social capital.Additional explanation is,In the new urbanization construction initial stage,The financial risk cannot be underestimated,Not to take mass means of asset securitization,Otherwise, or may cause regional/Systemic financial risk,Or may make the local government's recessive debt unlimited expansion,Increased overall national financial risk.