逆周期银政企信用关系构建问题研究——基于市场失灵、政府失灵和差别准备金动态调整机制视角

Research on the Construction of Counter-cyclical Government,Bank and Enterprise Credit Relationship——Based on Market Failure,Government Failure and Dynamic Adjustment Mechanism of Differentiated Reserve

政府能在经济周期的不同阶段采取适当的措施,打造良性的逆周期的银政企合作关系,将会大大减少经济的周期性波动。因此,要进一步完善差别准备金动态调整机制,建立政府性担保性基金,改善宏观审慎监管。

The government can take appropriate measures in different stages of the economic cycles to create a good counter-cyclical government-bank-enterprise cooperation relationship, which will greatly reduce the periodic fluctuation of economy. Therefore,it＇s necessary to further improve the differentiated reserve dynamic adjustment mechanism,establish the government-guaranteeing fund,and improve macro prudential supervision.