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一、政策性银行是国家宏观经济调控政策与金融运作方式的结合“结合”一词,现代汉语词典解释为人或事物间发生密切联系。马克思主义哲学认为事物是普遍联系对立统一的。把握事物发展规律就是处理好事物间的相互结合。马克思主义基本原理与中国实际的结合,使中国走上了建设有中国特色社会主义轨道。成为“结合”的典范。领导与群众结合、工作热情与科学态度结合、处理事物原则性与灵活性的结合、长远目标与现实任务的结合等等,都是结合方法的实际应用。政策与金融的结合,说到底,是经济发展中使资金要素配置更趋合理的方法,是国家促进经济协调、健康发展的举措。随着金融体制改革的深化,商业性、政策性金融业务相分离,商业银行溶入市场,根据市场需求,优化资金配置;政策性银行则从国民经济全局的要求出发,以支持国家产业结构调整、合理布局和均衡发展为目标,用金融行为实现政府意图。前者以自身的利益最大化为目标;后者以实现国家政策意图为目标,即以实现国家经济的持续、快速、健康发展为最终目标。
First, the policy bank is a combination of the macroeconomic regulation and control policies of the country and the mode of operation of the financial system. The term “combination” means that modern Chinese dictionaries are closely linked to one another. Marxist philosophy holds that things are universal and opposites. Grasp the law of things is to deal with things with each other. The combination of the basic tenets of Marxism and China’s realities has enabled China to embark on the track of building socialism with Chinese characteristics. Become a “combination” of the model. The combination of leadership and the masses, the combination of enthusiasm for work and scientific attitude, the combination of principles and flexibility in dealing with things, and the combination of long-term goals and realistic tasks are all practical applications of the method. After all, the combination of policy and finance is a more reasonable method of allocating capital elements in economic development and is an initiative of the state to promote economic coordination and healthy development. With the deepening of the reform of the financial system, the commercial and policy-oriented financial businesses are separated from each other, commercial banks dissolve into the market and optimize the allocation of funds according to the market demand. The policy banks proceed from the requirements of the overall national economy to support the adjustment of national industrial structure , Rational distribution and balanced development as the goal, with financial behavior to achieve the government’s intentions. The former aims at maximizing its own interests. The latter aims at realizing the intention of national policies, that is, the ultimate goal of achieving the sustained, rapid and healthy development of the country’s economy.