摘 要:中央以城鎮(zhèn)化為載體、農(nóng)業(yè)現(xiàn)代化為基礎(chǔ)、工業(yè)化為動力、信息化為手段的“四化”同步發(fā)展新思路,為農(nóng)業(yè)銀行服務(wù)“三農(nóng)”與縣域經(jīng)濟(jì)帶來了新的歷史性機(jī)遇。本文對山東省11個(gè)典型縣(市)進(jìn)行了詳盡調(diào)研,為下一步深入介入縣域城鎮(zhèn)化發(fā)展提供了有力的信貸決策依據(jù),并對金融服務(wù)縣域城鎮(zhèn)化發(fā)展提出了相關(guān)建議。
關(guān)鍵詞:城鎮(zhèn)化;三農(nóng);金融服務(wù)
Abstract:The central government proposes the new idea of simultaneous development with the basis of urbanization and agricultural modernization, industrialization as the impetus, and informatization as the means. It has brought new historical opportunity for the ABC to serve the agriculture, farmer, rural area and economy of counties. This article has conducted detailed research in 11 typical counties (cities). This has provided sound basis to make credit policies for the further development of urbanization of counties. And this paper puts forward relevant suggestions for financial services to serve the urbanization of counties.
Key Words:urbanization,agriculture,farmer and rural area,fincial service
中圖分類號:F830.34 文獻(xiàn)標(biāo)識碼:B 文章編號:1674-2265(2013)11-0066-05
收稿日期:2013-10-15
課題主持人:楊國月
課題組成員:于貽勝 邵 焱 張長達(dá) 潘 浩
課題主持人簡介:楊國月(1964-),男,山東文登人,中國農(nóng)業(yè)銀行山東省分行副行長,高級經(jīng)濟(jì)師。
在壯大縣域經(jīng)濟(jì)與城鎮(zhèn)化建設(shè)兩大發(fā)展戰(zhàn)略的統(tǒng)領(lǐng)下,各地推進(jìn)縣域城鎮(zhèn)化的力度持續(xù)加大,圍繞縣域城鎮(zhèn)化發(fā)展而產(chǎn)生的各種金融需求將是銀行業(yè)金融機(jī)構(gòu)新的業(yè)務(wù)增長點(diǎn)。本文在對山東省各地市城鎮(zhèn)化建設(shè)情況進(jìn)行全面調(diào)查的基礎(chǔ)上,選取德州樂陵市、淄博桓臺縣、棗莊滕州市和東營墾利縣等11個(gè)典型縣(市),就縣域城鎮(zhèn)化發(fā)展現(xiàn)狀及項(xiàng)目主要運(yùn)作模式進(jìn)行了實(shí)地調(diào)研,旨在為推動農(nóng)業(yè)銀行“三農(nóng)”和縣域業(yè)務(wù)轉(zhuǎn)型、創(chuàng)新適應(yīng)縣域城鎮(zhèn)化進(jìn)程的產(chǎn)品和服務(wù)奠定理論與實(shí)踐基礎(chǔ)。
一、山東省縣域城鎮(zhèn)化發(fā)展現(xiàn)狀
縣域城鎮(zhèn)化是以縣城為中心,小城鎮(zhèn)為節(jié)點(diǎn),農(nóng)村人口向城鎮(zhèn)集聚的動態(tài)過程,是整個(gè)縣域經(jīng)濟(jì)發(fā)展、生產(chǎn)生活方式轉(zhuǎn)變、空間布局向城鎮(zhèn)集中的過程。縣域城鎮(zhèn)化是實(shí)現(xiàn)中國城鎮(zhèn)化的基礎(chǔ)與關(guān)鍵,沒有縣域城鎮(zhèn)化的發(fā)展,就不可能有國家城鎮(zhèn)化水平的整體提高。……