中国人民银行2009年8月6日发布第二季度货币政策的执行报告显示,适度宽松的货币政策得到了有效传导。2009年上半年,货币信贷总量快速增长,信贷结构继续优化,对扭转经济增长下滑趋势、提振市场信心发挥了重要作用,有力地支持了经济平稳较快发展。下一阶段,央行将继续保持政策的连续性和稳定性,继续实施适度宽松的货币政策,巩固经济企稳回升的势头。继续引导银行业优化信贷结构,坚持信贷原则,处理好保增长与调结构的关系。本文将对经济复苏下中国银行业的信贷调整与优化的对策进行分析探讨。 The People’s Bank of China released its report on the implementation of the second quarter monetary policy on August 6, 2009, showing that moderately loose monetary policies have been effectively transmitted. In the first half of 2009, the total amount of money and credit expanded rapidly, and the credit structure continued to be optimized, which played an important role in reversing the downward trend of economic growth and boosting market confidence, effectively supporting the steady and rapid economic development. In the next stage, the central bank will continue to maintain the continuity and stability of its policies and continue to implement moderately loose monetary policies to consolidate the momentum of economic stabilization and recovery. Continue to guide the banking industry to optimize the credit structure, adhere to the credit principle, and handle the relationship between ensuring economic growth and structural adjustment. This article will analyze the countermeasures of credit adjustment and optimization of China’s banking sector under economic recovery.