Research On The Support Of Bank Credit Funds In New Urbanization

Urbanization is simply the process of transforming rural population into urban population.National new urbanization plan(2014-2020)pointed out that China's urbanization rate aims to reach about 60% by 2020.The China Development Bank estimates that by 2020,China will demand at least 50 trillion yuan of construction funds.So,how to satisfy the large demand of funds in reality means that relying solely on the supply of financial funds is not enough.More importantly,compared with the traditional urbanization,the connotation of the new urbanization is more complex.It requires the infrastructure construction funds,as well as the financial needs of public services and social security.In the face of the huge financial needs of urbanization,banks,as the important financial supply departments of economic society,is playing an important role in meeting the demand for credit funds for urbanization.The theoretical analysis of this article mainly includes three parts.First of all,the concept of new urbanization,the necessity of urbanization and the rich connotation of new urbanization are explored.Compared with the traditional population,the new meaning of the new urbanization lies in its degree and the quality of urbanization.Secondly,the article analyzes the capital demand and capital supply situation of urbanization construction,and compares the current financial funds,social funds and credit funds in the process of urbanization.The analysis shows that the financial funds and social funds in the process of urbanization will have a variety of disadvantages and problems,which indicates that it is important and necessary to supply credit funds in order to solve issues.Finally,the paper analyzes the mechanism of credit funds in the construction of urbanization in the middle view industry,and provides the theoretical basis for the study of bank credit funds support for new urbanization.In the analysis of capital needs for the urbanization,the figures relates to its industry analysis.In the analysis of bank credit funds supply,the essay provides a detailed analysis of the status of the industry supply.The empirical part starts with the gap of capital demand of new urbanization construction,uses the principle of supply and demand of economics to calculate the gap size of urban construction funds demand,and then puts forward two hypotheses.The first assumption is that there is a correlation between the demand for urbanization construction funds and the supply of bank credit funds.On the basis of fully understanding the connotation of the new urbanization,the article screens and statistics on the industries involved in urbanization.These industries include electricity,heat,gas and water production and supply,transportation,warehousing and postal services,scientific research and technical services,health and social work,culture,sports and entertainment.On the basis of data collection and collation,the article analyzes the demand of urbanization funds and the supply of bank credit funds,which not only analyzes the impact of the total supply of bank credit funds on the urban construction funds demand,but also analyzes the banks' the impact of the supply of credit funds on the demand of urbanization.The second assumption is based on the assumption that the content of the hypothesis is that the supply of bank credit funds is insufficient to support the demand for urbanization.Empirical results show that,firstly,through the analysis of the correlation between the demand for urbanization and the total supply of bank credit funds,the results show that the total supply of bank credit funds has a significant impact on the demand for urbanization.Secondly,the bank credit funds in the power,heat,gas and water production and supply industry,transportation,warehousing and postal services,scientific research and technical services,education,health and social work,culture,sports and entertainment industry of the supply of credit on the urbanization of the financial needs have a significant impact on the role.Thirdly,the paper also analyzes the graphs of the data.The graph shows that the growth rate of the bank credit funds can not meet the growth rate of the urban demand.The support of the bank credit funds to the urbanization construction is insufficient.Finally,this paper analyzes the supporting role of bank credit supply demand for urbanization construction through theoretical analysis and empirical analysis.The results show that the supply of bank credit funds has influence on the demand of urbanization construction funds,and the support of bank credit supply is insufficient of.In order to fully explore the potential of the bank credit funds in the process of urbanization,the paper puts forward the corresponding suggestions in the light of the shortage of financial funds and the poor supply of social funds.Banks should closely relate to the trend of citizenization of farmers,base on the connotation of new urbanization construction,refer to the industry involved in the construction of urbanization and also strengthen the support for infrastructure construction,industrial upgrading,public services and upgrading of consumption patterns for the construction of urbanization,so as to promote the healthy and rapid development of urbanization.