城镇化转型下金融资源配置研究

近年来我国城镇化步伐加快，但金融资源的配置转换没有跟上经济结构调整的步伐，一系列问题的积累制约了农村金融功能和效率的提高，本文从城乡收入差距、金融发展水平、城乡融资依赖度、城镇化水平等角度实证分析了我国城镇化变迁中金融配置失衡导致的城乡收入变化、劳动力转移等因素，最后从互联网金融发展角度阐述了破解城乡融资失衡的解决路径。

Study on Financial Resources Allocation under the Transformation of Urbanization

In recent years, our country to accelerate the pace of urbanization, but the ifnancial resource conifguration conversion did not keep up with the pace of economic structural adjustment, the accumulation of a series of problems restricts the improvement of rural financial function and efficiency, this article from the income gap between urban and rural areas, financial development level, urban and rural financing dependence degree, the level of urbanization perspective empirical analysis caused by the imbalance in the allocation of ifnancial changes of China's urbanization, the urban-rural income changes, labor, and other factors. Finally, from the development of Internet banking development perspective describes the path to solve the crack the imbalance of urban and rural ifnancing.