金融深化和城乡一体化——基于成都一体化地区金融制度的分析

本文通过分析成都三个地区在城乡一体化过程中出现的金融需求变化和金融运行现状，认为成都近郊城乡一体化地区存在着严重的金融压抑，其根本原因是制度缺陷：金融政策缺陷、农村信用社的体制缺陷和相关公共制度衔接不良。最后本文指出只有通过制度创新，转变金融发展理念，推进金融市场化，改革农村信用社，完善相关制度体系的建设，才能实现金融深化。

On financial innovation in the process of urban-rural integration

Aftcr analyzing financial demand and supply change and currentsituation of financial operation in the process of urban-rural integration of three districts of Chengdu, this paper holds that there is serious financial inhibition of urban-rural integration of the suburb of Chengdu and that its basic cause is system defect such as financial policy defect, system defect of rural credit cooperative and ill-connection of related public systems. Finally, the paper points out that financial reform can be realized by system innovation, changing financial development idea, promoting financial marketability, reforming rural credit coopcrative and completing thc related system construction.