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央行应关注信用规模和贷款结构对宏观经济稳定的影响

Central bank to observe the effects of credit size and structure on economic stability
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摘要 文章指出,危机及其后经济复苏缓慢的最根本原因是住户和公司等实体部门危机前杠杆率过高,危机后则表现为私人部门高债务引起贷款需求不足。未来货币和宏观审慎政策应考虑信用规模和贷款结构的影响,必须采取逆周期(即逆信贷和资产价格周期)的措施,尤其是应该限制自我加强的信贷/资产价格周期、抵制贷款向房地产的倾斜、管理信用创造和避免过高的杠杆率。 The article believes that the fundamental reasons for the crisis and slow economic recovery are attributed to the excessive leverage from households and firms before the crisis, and high debt in the private sector resulting in insufficient demand for loans after the crisis. The future monetary and macro-prudential policies should consider the effects of credit size and structure and apply countercyclical policies (i.e. counter credit and asset price cycle), in particular restricting the cycle of self-reinforcing credit/asset price, staying away from lending to real estate, managing credit creation and avoiding excessive leverage.
出处 《中国货币市场》 北大核心 2015年第2期54-57,共4页 China Money
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