摘要
商业银行在我国金融体系中占据主导地位,也是我国货币政策传导的关键环节,但目前由于商业银行在资金成本、风险偏好、资本成本、内部考核政策、外部需求等方面的约束,货币政策实际传导效果与预期还存在一定差距,金融市场仍一定程度存在流动性淤积和信贷资源配置不平衡现象。因此,需通过政府、监管、商业银行三个层面综合施策,进一步疏通传导渠道,促进金融资源更多更高效地流向实体经济。
Commercial banks play a leading role in China’s financial system,which is also the key link of monetary policy transmission.However,due to the constraints of commercial banks in cost of fund,risk preference,cost of capital,internal assessment policy,external demand and other aspects,there is still a certain gap between the actual transmission effect and expectation.Liquidity stagnation and imbalances in credit resource allocation still exist in the financial market to a certain extent.It is necessary to further dredge the transmission channels and promote more and more efficient flow of financial resources to the real economy,through the comprehensive implementation of policies at the three levels of government,supervision and commercial banks.
出处
《浙江金融》
2021年第4期3-14,共12页
Zhejiang Finance
关键词
货币政策
传导机制
商业银行
约束和解决路径
Monetary Policy
Transmission Mechanism
Commercial Banks
Constraints And Solution