Opportunity In NH Bank In Urbanization Construction And Countermeasures Research

Urbanization is the measure of a country’s level of modernization important symbol, is the important content of modernization of the country. More than 30 years of reform and opening-up, China’s urbanization development has made remarkable achievements. Urbanization rate rising from 17.9% in 1978 to 52.57% in 2012, the urbanization level improve quickly, urban population sharp increase, urban facilities and function is constantly improving, the urban and rural economic and social structure has greatly changed. Involved in household register, land urbanization, social security, income distribution and so on many significant reform of the system, need to solve "where people go", "where does money come from", and many other problems, it is a huge complex system engineering, cannot leave the social from all walks of life, especially the financial support. In the process, the financial funds play an important role supports and guides the allocation of resources. New urbanization needs large scale, long period, the main body diversity, structure complex, involving loans, bonds, equity financing, financial leasing, trust financing in the form. Needed to meet the multi-level money demand, multi-pronged, play a role of good government in the basis of the coordination and complementary role of private capital, leverage of financial institutions.This article mainly from the study of Chinese urbanization construction present situation, analyzes the obstacles and problems of the construction of the urbanization at the present stage, widely based on the experience of the urbanization at home and abroad, exploring the research from the infrastructure construction, small and medium-sized enterprise financing way of the financial system and rural residents consumption three aspects, to make an accurate decision on three aspects to deal with, and carries on the thorough analysis and discussion.Finally is the combination of theory and practice, concluded that the infrastructure construction for the integrated application of various financial instruments and infrastructure construction investment provide powerful policy guarantee and good financial services, establish a demand-oriented rural small and medium-sized enterprise financing system, adjust measures to local conditions to develop the perfect fit for guangdong rural residents’ consumption demand of credit products. At the same time, through research and analysis, get some inspiration, and perfect the "three agricultures " NH bank credit business development supporting measures and policy recommendations:to speed up the infrastructure loans financing products, land urbanization, urban construction investment bonds, equity investment and other financial products and innovation service mode, can truly is in the process of urbanization speed up the development in the future ahead.