金融作为现代经济的核心，在支持城乡一体化过程中具有重要的作用。本文以
安徽省铜陵市为例，研究金融支持城乡一体化发展的问题。文章从金融的视角，
着力调查和论述金融支持城乡一体化的现状，存在的问题，并综合运用 VEC 模
型，从微观层面分析金融各要素在支持城镇化过程中的作用和贡献度；运用 SWOT
分析法，从宏观层面分析当前金融在支持城乡一体化发展过程利弊以及优劣势
等。文章认为：金融支持城乡一体化发展的过程，也是自身转型升级实现城乡
一体化战略发展的过程。虽然铜陵市金融业为推动城镇化做出了积极地贡献，
但是诸如金融锁定严重、风险把控难、创新力度、农村金融市场单一、融资结
构不合理等问题，制约金融支持城乡一体化，也制约了金融业自身的转型。EVC
模型结果显示：信贷投放力度、农村金融资源的配置以及贷款结构等对城镇化
具有重要的作用。SWOT 分析得出，当前金融机构要把握地方经济发展的有利机
遇，寻求积极主动的战略，实现经济金融互利共赢。文章最后立足铜陵市地方
经济发展的特点，结合实地调研和模型分析的结果，提出了六点意见和建议。

关键词：金融；城乡一体化；战略管理；研究。

I
Abstract
The party's 18th conference and the 2013 Central Economic Work Conference
can see the urbanization as the key to expand domestic demand and promote the
transformation and development of economy .Essentially the process of urbanization
is the development to promote urban-rural integration .As the centre of modern
economy ,finance has played an important role in the process of promoting local
economic development and transformation .In this paper, we study the issue that
finance do support the integrated development of urban-rural areas in Tongling,
Anhui as an example. From the financial perspective ,we focus on investigating and
discussing the current situation and problems of financial support for urban-rural
integration .And together with the use of VEC model ,we also analyze what
contribution each financial element makes in this integration .From the
macro-level ,we analyze what advantages and disadvantages the current finance has
in supporting the integration, using the SWOT analysis .In this paper ,we think the
process of finance supporting the development of urban-rural integration is also
the process of self-transformation and upgrading .Although the financial industry in
Tongling make a positive contribution to promote urbanization ,problems like
seriously financial lock ,difficulty to control risk ,innovation ,single financial market
in rural area, and irrational financing structure still restrict the financial support for
integration of urban and rural areas ,and the transformation of their own. Results from
the EVC model show that the intensity of credit supply ,the allocation of financial
resource in rural ,and the loan structure are all keys to urbanization .SWOT analysis
concluded that financial institutions should seize the favorable opportunities to
develop local economic ,seek positive strategy to achieve a win-win activity between
economic and financial. At last in this paper, combined with the results from field
research and model analyzes, we put forward six comments and suggestions based on
the characteristics of local economic development in Tongling.
key words: finance; urban-rural integration ;strategic management; research;