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货币理论认为,信贷政策是货币政策的组成部分,主要着眼于解决结构问题,通过政策引导和窗口指导,引导信贷投向,优化区域经济结构、产业结构,促进国民经济的协调发展。从这个角度看,1998年以前,我国的信贷政策实际上在很大程度上执行着货币政策调控总量的职能,而现阶段实施的信贷政策,
According to monetary theory, credit policy is an integral part of monetary policy. It focuses on resolving structural problems. It guides the investment of credit through policy guidance and window guidance, optimizes the regional economic structure and industrial structure, and promotes the coordinated development of the national economy. From this point of view, before 1998, China’s credit policy actually carried out the function of controlling the total amount of monetary policy to a great extent. At the present stage, the credit policy implemented,