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在信贷规模的宏观控制中,为避免非均衡控制,应采取如下措施:1.变单一控制为分类控制.我们既要考虑信贷资金运用的性质(如国营企业、集体企业和个人承包企业及个体户等),又要区分信贷资金的用途,并考虑不同贷款资金运用项目和可调度.如当前可对固定资产贷款紧一点,对流动资金贷款“松”一点;对银行监督之外的资金需求可紧一点,对银行监督之下并受存款准备率制约的资金需求可“松”一点,等等.
In the macro control of credit scale, in order to avoid unbalanced control, the following measures should be taken: 1. Changing a single control to a classification control. We must consider the nature of the use of credit funds (such as state-owned enterprises, collective enterprises and individual contracting enterprises and self-employed households). Etc.), but also to distinguish the use of credit funds, and consider different loan funds to use the project and schedulable. If you can now tighter loans to fixed assets, a little “loose” for liquidity loans; funds outside the supervision of the bank The demand can be tighter, and the demand for funds under the supervision of the bank and subject to the reserve preparation rate can be loosened, etc.