增强基层信贷投放 疏通货币政策传导渠道

To Enhance Grass-roots Credit Loan Placement, To Dredge Monetary Policy Transmission Channel

国有银行基层机构的信贷业务不断萎缩,其他基层信贷服务机构严重短缺,致使货币政策原本依赖的信贷渠道传导日益不畅。要改变这种状况,必须疏通传导渠道,以保证货币政策的有效实施。具体地讲,要加大国有商业银行内部体制改革,解决基层银行多存少贷的现状;发展地方性中小金融机构;健全信贷担保体系;运用税收杠杆调节商业银行信贷行为。

Owing to gradually shrinking credit loan transactions in commercial banks grass-roots institutions and seriously inadequate other grass-roots institutions, credit loan transmission channel which is formerly relied on by monetary policy becomes impeded. In order to change this status, transmission channel must be dredged in order to ensure effective enforcement of monetary policy,specifically,enhancing state-owned commercial banks internal regime reform to resolve 'less loan, more deposit' in grass-roots banks, developing local small and medium-scale financial institutions, amplifying loan guarantee system, modifying commercial bank credit loan activities by using taxation leverage, etc.