在紧缩性货币政策条件下,商业银行的信贷配给行为主要体现在信贷资金向国有大型企业集中和支持中小企业力度减弱两个方面。本文提出了针对这一问题的政策建议,即货币政策既要总量控制,也要差别对待;银行着力优化信贷结构,提高金融服务水平。 Under the condition of the tightening monetary policy, the credit rationing behaviors of commercial banks are mainly manifested in two aspects: the concentration of credit funds to large state-owned enterprises and the weakening of support for small and medium-sized enterprises. This paper puts forward the policy recommendations on this issue, that is, monetary policy should not only control the total amount, but also treat it differently. Banks should make efforts to optimize the credit structure and improve the level of financial services.