随着我国三大政策性银行的运作，如何建立与政策性信贷资金管理相适应的利率运行机制，有效发挥利率的作用，作为一个迫切需要解答的理论和现实问题提了出来。政策性信贷资金利率，是我国信贷利率体系的一个重要组成部分，考察政策性贷款利率作用，既不能孤立地看待政策性信贷 With the operation of the three major policy banks in our country, how to set up an interest rate operating mechanism that is compatible with policy-based credit fund management and how to exert interest rates effectively is put forward as an urgent theoretical and practical issue to be answered. Policy interest rate of credit funds is an important part of China’s credit interest rate system. Examining the effect of policy interest rate, we can not treat the policy credit in isolation