鼓励农民进城是中央推进城镇化建设、促进经济发展的重大战略决策,整村搬迁就是这一重大战略较为全面、较为彻底的具体实践,银行业金融机构信贷策略也应随之转变。一是跟进调查,摸清情况。整村搬迁促使农村信贷向城市信贷的转变,银行必须与之相适应,否则就不能实现信贷的融资、支持、服务,进而实现自身经济效益的职能作用。而要适应这种形势,前期工作就是要搞好调查研究,把准脉搏,吃透情况, Encouraging peasants to enter the city is a major strategic decision for the central government to promote urbanization and promote economic development. The relocation of the entire village is a more comprehensive and thorough concrete practice of this major strategy, and the credit strategy of banking financial institutions should also change accordingly. First, follow up the investigation to find out the situation. The whole village relocation to promote rural credit to urban credit transformation, banks must adapt to it, or we can not achieve credit financing, support, service, and thus realize their own economic functions. To adapt to this situation, the preparatory work is to do a good job of investigation and study, the quasi-pulse, thoroughly through the situation,