国家发改委主任张平近日表示，发改委正协同有关部门，编制中国城镇化发展规划，预计上半年就可以出台。在城镇化加速的背景下，商业银行也在积极探索对农村金融的支持路径。

The national development and reform commission zhang ping said recently,Development and reform commission (NDRC) is relevant departments together,Formulation of China's urbanization development plan,Is expected in the first half of the year you can come.Under the background of urbanization accelerated,Commercial Banks are actively explore support for rural financial path.

　　农业银行(601288,股吧)相关负责人对 《每日经济新闻(博客,微博)》记者表示，城镇化加速对与之紧密相关的金融业提出了更高要求，虽然农行已经建立起比较完备的农村金融服务体系，初步形成差异化的服务模式，但是同业正加速进入县域市场，使农行县域传统优势面临挑战。

Agricultural bank of China(601288,stocks)Responsible for [Daily economic news(blog,Micro bo)]reporters,Acceleration of urbanization of closely related to the financial industry put forward higher requirements,Though agricultural bank has established a relatively complete system of rural financial services,Initially formed differentiated services model,But trade is accelerating into the county market,Traditional agricultural county advantage, face challenges.

　　地方人行发文指导农村金融/ Place the pedestrian guide rural financial/post

　　为了支持新型城镇化建设，各地人行纷纷发文给地方金融机构“指路”。

In order to support the new urbanization construction,Around the pedestrian are dispatch to local financial institutions"the".

　　《每日经济新闻》记者了解到，以人行枣庄中支为例，该支行以枣银发〔2013〕1号文的形式印发了《关于金融支持我市新型城镇化建设的意见》（以下简称《意见》），要求金融机构积极探索金融支持新型城镇化建设的新模式，采取八项措施，全面提升金融服务质量和水平。其中，提到了诸多金融机构业务创新的建议。在农村建设方面，《意见》建议金融机构紧紧围绕枣庄农村土地产权制度改革，创新金融产品，探索开办农村建设用地、农村宅基地、农村房屋抵押贷款和农业大型机具设备金融租赁业务，努力满足农业规模化经营的资金需求。

[Daily economic news]The reporter understands,To the pedestrian in zaozhuang branch as an example,With dates for the branch silver hair [2013] no. 1 in the form of a printed and distributed[Financial support for the opinion of the new urbanization construction in my city](Hereinafter referred to as[opinion]),Requires financial institutions to actively explore new mode of financial support of new urbanization construction,Take eight measures,Improve the quality and level of financial services.Among them,Business innovation Suggestions mentioned a number of financial institutions.Construction in the countryside,[opinion]Zaozhuang suggest financial institutions closely around the rural land property rights system reform,Innovative financial products,Explore opened rural land for construction purposes/House-site in the countryside/Rural housing mortgage and large agricultural machinery equipment financial leasing business,Efforts to meet the demand of agricultural scale management of funds.

　　针对中小微企业经营特征与金融需求，《意见》建议金融机构大力推动金融产品和服务创新，积极完善融资担保方式，进一步拓展钢结构资产、应收账款、仓单等新型抵质押渠道，满足中小微企业多元化、多层次融资需求。

For micro, small and medium enterprises operating characteristics and financial needs,[opinion]Suggest financial institutions vigorously pushing forward the innovation of financial products and services,Actively improve the financing guarantee way,Further development of steel structure/Accounts receivable/The warehouse receipt, etc. New arrival pledge channels,Meet the diversified of micro, small and medium enterprises/Multi-level financing needs.

　　在城市建设方面，《意见》建议金融机构对由政府主导的道路、桥梁等基础设施建设项目，要积极探索通过城镇建设投融资平台、发行城投债、基础设施建设项目垫付贷款等形式，加大配套信贷资金投入。

In the aspect of urban construction,[opinion]Suggest financial institutions for the road of leading by the government/Bridges and other infrastructure construction projects,To actively explore by urban construction investment and financing platform/Debt issuance of udic/Infrastructure construction project advances, loans and other forms,Form a complete set of credit funds should be increased.

　　在民生方面，建议金融机构探索创新经营收益权质押、绿色信贷等模式，积极支持城镇社会事业发展，提升城镇文化设施、医疗条件、社区养老和中小学校标准化建设水平。

In the aspect of people's livelihood,Suggest financial institutions to explore innovative operating profit rights pledge/Green credit mode, etc,Actively support the development of the urban social undertakings,Promote urban cultural facilities/Medical conditions/Community endowment, primary and secondary schools standardization construction level.

　　此外，《意见》还对信贷投向提出了建议。金融机构以重点项目贷款、银团贷款、债券融资、租赁融资等为手段，重点支持煤炭、水泥、电力三大支柱产业，机床、煤化工、锂电新能源等接续替代产业。

In addition,[opinion]Also puts forward Suggestions on credit to.Financial institutions to key project loans/Syndicated loan/Bond financing/By way of lease financing, etc,Key support for the coal/cement/Power three pillar industries,Machine tool/Coal chemical industry/Lithium electricity alternative such as the new energy industry.

　　城镇化蕴含着多元化金融需求/ Urbanization/contains the diversified financial needs

　　3月5日，国家发改委在提请十二届全国人大一次会议审议的 《关于2012年国民经济和社会发展计划执行情况与2013年国民经济和社会发展计划草案的报告》中提出，积极稳妥推进城镇化，城镇化率今年预期达到53.37%。

On March 5th,Requested the national development and reform commission in the 12 th National People's Congress, a meeting review [About 2012 implementation of the plan for national economic and social development and the 2013 plan for national economic and social development of the draft report]In the proposed,Actively yet prudently proceed with urbanization,The urbanization rate is expected to reach 53.37% this year.

　　数据显示，“九五”以来，我国城镇化速度加快。我国城镇化率在2005年达到42.99%。截至2011年底，我国城镇化率已经达到51.27%。

Data display,"The ninth"since,The speed of urbanization in our country.China's urbanization rate reached 42.99% in 2005.截至2011年底,China's urbanization rate has reached 51.27%.

　　“城镇化金融需求在扩大，涉及基础设施建设、产业集聚、服务业发展、保障房及商品房建设、居民消费等多个重要领域。再加上产业转型、消费升级，其中蕴含着大量多元化的金融需求。”农行相关负责人对《每日经济新闻》记者表示。

"Urbanization in expanding financial demand,Involved in the infrastructure construction/Industrial concentration/Service industry development/Affordable housing and commercial housing construction/Residents' consumption, and many other important areas.Coupled with the industry transformation/Consumption upgrade,Which contains a large number of diversified financial needs."The relevant person in charge of agricultural bank of[Daily economic news]reporters.

　　农行去年半年报显示，作为传统优势领域，该行的县域贷款较上年末增加1704亿元，贷款增速高于全行平均水平1.7个百分点。农行在个人金融领域制定并实施金穗 “惠农通”工程规划，借助惠农卡、服务点、电子渠道、流动服务等平台，提高农村基础金融服务覆盖面。

Agbank half annual report last year,As a traditional advantage fields,The bank's loan is an increase of 170.4 billion yuan of the county,贷款增速高于全行平均水平1.7个百分点.Develop and implement Jin Sui agricultural bank in the personal financial field "Corresponding access"The project planning,With the help of a corresponding card/Service point/Electronic channels/Mobile service platform,Improve rural basic financial service coverage.

　　“同业加速进入县域市场，使农行县域传统优势面临挑战。”农行相关负责人对《每日经济新闻》记者表示。该负责人表示，下一步，农行会在提升金融服务的同时，加快转变发展方式。

"Trade accelerated into the county market,Traditional agricultural county advantage, face challenges."The relevant person in charge of agricultural bank of[Daily economic news]reporters.The official said,The next step,Agbank will enhance financial services at the same time,加快转变发展方式.

　　“首先，会继续加大金融资源投入力度，针对基础设施、产业园区、特色产业、中小企业等领域不同的金融需求，从城镇建设到产业培育，在社会、文化、生态等领域，为城镇化发展提供金融服务。”该负责人说。

"First of all,Will continue to intensify financial resources,In view of the infrastructure/Industrial park/Special industry/Small and medium-sized enterprises in areas such as different financial needs,From urban construction to the industries,In the society/culture/Ecological areas such as,为城镇化发展提供金融服务."The official said.

　　另外，该负责人称还会加快研发、推广全行性和区域性的城镇化专属产品，破解城镇化“融资难”的瓶颈。同时，还会提升县域零售业务，从渠道布局和网点转型等方面，进一步优化服务网络。

In addition,The responsible person to accelerate research and development/Promotion of bank-wide and regional urbanization exclusive products,Cracking of urbanization"Financing difficulties"The bottleneck of.At the same time,Will also improve the retail business of the county,From the channel layout and network transformation, etc,To further optimize the service network.

　　该负责人指出，在区域重点上，农行关注产业基础较好的城市和强县强镇两个战略性市场，将加大对现代农业、节能环保、基础设施等一大批产行业和公共服务方面的支持力度。在客户准入上，重视商业性和可持续性，积极加强与优质投资主体在相关城镇化项目上合作。

According to the head,On the regional focus,Agbank's attention better industrial foundation and strong county town city two strategic markets,Will increase to the modern agriculture/Energy conservation and environmental protection/Infrastructure such as a large number of industry production and public services support.On the client access,Attaches great importance to the commercial and sustainability,To strengthen cooperation with high quality investment subject on projects related to urbanization.