从货币经济学的角度看,货币是一种商品,在市场上进行流通。其交易的规则就成为了货币政策控制的重点对象。而货币政策的改变实际上改变了交易的规则,进而影响了银行的预期效益和风险。如果效益和风险同时因为货币政策而增加,此时银行的信贷政策就会呈现紧缩趋势。 From a monetary economics point of view, money is a commodity that circulates in the marketplace. The rules of the transaction have become the focus of monetary policy control. The change of monetary policy actually changed the rules of the transaction, thus affecting the bank’s expected benefits and risks. If the benefits and risks increase at the same time because of monetary policy, the credit policies of the banks will show a tightening trend at this moment.