根据国家经济、社会和产业发展要求,制定和实施有效的宏观信贷政策,是监管职能分离后人民银行强化金融宏观调控,提高金融运行效率,维护金融稳定,必须认真履行的重要职能。 从立足点和调控手段上看,信贷政策与货币政策存在差异。信贷政策是结构政策,主要着眼于解决结构问题,它依靠经济的、法律的,有时甚至是行政的手段,通 According to the requirements of national economic, social and industrial development, the formulation and implementation of an effective macro-credit policy is an important function that the People’s Bank of China must conscientiously perform its duties after it strengthens the macro-control of the financial sector, improves the efficiency of financial operations and maintains financial stability. From the standpoint and means of regulation and control, there are differences between credit policy and monetary policy. Credit policy is a structural policy that focuses primarily on structural problems and relies on economic, legal and sometimes even administrative measures