| Urbanization has been a long-standing problem; it is an inevitable trend of economic and social development, but also an important symbol of the progress of human civilization. Compared with the traditional urbanization, new urbanization has many basic characteristics, such as combination of urban and rural, city interactive production, conservation and intensive, livable and harmonious development. Not only pay attention to accelerate the pace of urbanization, greater emphasis to enhance the intrinsic quality and promote urbanization changing type from the quantity to quality connotation. Implementation the new urbanization strategy, involving the employment population, many aspects of economic development, urban development, living and social development of his environment, Because of its huge potential for domestic prying force, has become into focus. From1978-2012, China’s urbanization rate increased from18%to52.7%. new urbanization is a systematic project, along with the constantly advancing urbanization, many industries will receive good development opportunities,such as industrialization and urbanization of many residents about the lives, and will be a huge number, not only to effectively solve China’s "three rural" issue, but also be able to effectively expand domestic demand, promote industrial upgrading, co-ordinate the integration of urban and rural development, and will become an important carrier of building a moderately prosperous society.As commercial banks, actively play their own advantages, integrate into new urbanization process, both to fulfill an important manifestation of social responsibility, but also to promote business operations, provide financial services to promote the development of our business objective needs In the new urbanization process. It is a major issue worthy of study about How to keep up with the process of urbanization, grasp the internal changes about the urbanization, and provide appropriate financial products and services for the promotion of new urbanization, design a internal service mechanism.In this paper, the new urbanization is the main line. combing through domestic and international research on the relationship between urbanization and finance, combined with a variety of analytical methods such as Normative Analysis and empirical analysis, documentation and graphics, qualitative and quantitative, theoretical models and statistics, etc., using the theory deduction, comparative analysis and empirical analysis. On the one hand, start with the status of new urbanization development in Shandong Province, in-depth to explore a new development direction about China’s new urbanization from the new urbanization planning and development process issues in Shandong Province, then seek the opportunities for commercial banks from credit and consumer demand about two dimensions of urbanization; On the other hand, combined with the development of the financial status of the county, conduct a comprehensive analysis of the county distribution of financial institutions, the financial relationship between supply and demand, urbanization and potential sources of funding to county financial risk in Shandong, which is designed to solve the new interpretation of the financial needs of urbanization the basic idea of the plight and enhance the relevance and effectiveness of the new urbanization financial support routing and institutional arrangements in order to decision-making sector, financial sector and provide valuable suggestions theoretical reference.From the logical reasoning and empirical analysis, the paper maintains that to solve the financial needs of the new urbanization is a systems engineering. As ABC requires practice on the basis of a reference to Europe and other developed countries, the grasp of the basic requirements to support urbanization, a clear focus on supporting urbanization, urbanization innovation support products and services, to participate fully in the financial services integrated solutions develop and enhance the ability to support urbanization, build a multi-dimensional, innovative institutional system between policy, enterprises, banks, and only then is it possible to get out of the new urbanization process of a fundamental dilemma. |
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