银行视角民营经济货币信贷政策传导机制问题

Mechanism of Monetary Credit Policy Transmission into Private Economy from Perspective of Banks

改革开放40年来,我国民营经济从小到大、从弱到强,不断发展壮大,已成为推动我国经济社会发展不可或缺的力量。近两年来,银行业金融机构陆续成立促进普惠金融发展的专业部门或机构,大幅提升了对民营企业融资的思想重视程度、系统推动强度、政策优惠幅度、服务创新力度,并在务实创新方面结出了可喜成果。但是,在政策执行的“最后一公里”,依然存在着“雷声大雨点小”、政策传导不畅、部门衔接不力、市场反应冷淡等问题。政策基层落地难的主要症结在哪里,如何在坚守风险损失底线、完善风险管理工程的前提下,破解民营企业融资难、融资贵问题,促进货币政策传导,成为银行业金融机构亟待交卷的命题。

In the past 40 years of reform and opening up, China's private economy has become an indispensable force to promote China's economic and social development. Under the premise of sticking to the risk loss bottom line and perfecting the risk management project, it is necessary to solve the problem of financing difficulties and financing of private enterprises and promote the transmission of monetary policy, which has become a proposition for banking financial institutions to be submitted.