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自2012年6月8日起下调金融机构人民币存贷款基准利率0.25个百分点。不足一月,央行决定,7月6日起金融机构一年期存款基准利率下调0.25个百分点,一年期贷款基准利率下调0.31个百分点。持续降低贷款利率预计将释放出超万亿元信贷资金,有利于刺激贷款需求,对提振经济有明显作用。面对信贷规模的扩张,如何与“三农”贷款的有效性需求接轨,实现货币政策宽口径与有效性需求趋于均衡,这是摆在江西省农村信用社面前的现实性问题。本文首先从央行降准、降息入手,分析基准利率的传导途径、货币乘数效应,详细阐述了江西省农村信用社的“三农”贷款供求状况,针对农信社作为农村金融的主力军在对接“三农”贷款的有效性需求方面提出几点对策和建议。
Since June 8, 2012, the benchmark deposit and lending rates of financial institutions have been lowered by 0.25 percentage points. In January, the central bank decided that the benchmark interest rate on one-year deposits of financial institutions will be reduced by 0.25 percentage point from July 6, and the benchmark one-year lending rate will be lowered by 0.31 percentage point. Continued to reduce lending rates is expected to release over trillions of credit funds will help stimulate demand for loans, to boost the economy have a significant role. In the face of the expansion of credit scale, how to align with the demand for the effectiveness of “three rural” loans and to achieve a balance between the wide caliber of monetary policy and the demand for efficiency are the practical issues before Jiangxi Rural Credit Cooperatives. In this paper, the central bank cut RRR, cut interest rates to start, analyze the transmission of the benchmark interest rates, the monetary multiplier effect, elaborated on the rural credit cooperatives in Jiangxi Province “” three “loan supply and demand, for rural credit cooperatives as the main force of rural finance The military put forward some countermeasures and suggestions on how to meet the demand for the validity of ”three rural" loans.