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小城镇建设除了要有好的规划和政策引导外，还要有资金作后盾才能有所作为。目前，基层金融机构正处于改革和转型时期，资金相对充裕，运用不足成为制约其经营效果的重要因素之一，客观上两者有走到一起的要求。地方政府要为金融机构进入小城镇建设提供宽松的软环境，以确保资
In addition to having good planning and policy guidance, the construction of small towns and cities must be backed up with funds to make a difference. At present, grass-roots financial institutions are in the process of reform and transformation. With relatively abundant funds and inadequate utilization, they have become one of the important factors restricting their operational effectiveness. Both of them objectively come together to meet the requirements. Local governments should provide a relaxed soft environment for the construction of small cities and towns in financial institutions to ensure capital