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都市圈的形成和发展加快了农村城镇化建设,特别是对于北上广等特大型城市而言,都市圈的辐射效应已经使得大批农民告别了传统的农耕生活,进入二、三产业工作,同时第一产业的生产方式也发生了巨大的改变。本文以北京市为例,对该市平谷区大兴庄镇农村小额信贷的认知态度、农户现有融资渠道以及现有农村小额信贷产品推广情况等展开抽样调查,发现伴随着都市圈农村经济的发展,现有的“一刀切”农村小额信贷产品已经不能充分满足都市圈内农村居民的需求。因此,期冀农村信贷机构能更加细分小额信贷对象,积极为都市圈农村提供更精准营销的小额信贷产品,从而促进都市圈农村经济的增长。
The formation and development of the metropolitan area has accelerated the urbanization of rural areas. In particular, for the mega-cities such as Beicheng Guangtang, the radiation effects of metropolitan areas have led many farmers to bid farewell to the traditional farming life and enter the secondary and tertiary industries. At the same time, A huge change has taken place in the way of production of an industry. Taking Beijing as an example, this paper takes a sample survey on the rural microfinance in Daxing Town, Pinggu District, the existing financing channels and the promotion of existing rural microfinance products. It is found that along with the metropolitan area Economic development, the existing “across the board” rural microfinance products can not fully meet the needs of rural residents within the metropolitan area. Therefore, rural credit agencies can further subdivide microfinance objects and actively provide more accurate marketing of microfinance products to metropolitan areas and rural areas, thus promoting the growth of the rural economy in metropolitan areas.