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3月16日人民银行发布的《关于调整商业银行住房信贷政策和超额准备金存款利率的通知》体现了央行宏观调控的新思维。新思维之一:总量工具与结构工具相结合。货币政策是总量调控工具,不具备对特定地区或产业进行结构性调整的职能,而此次定向面对个人住房贷款的利率调整却显然具?
The Notice on Adjusting the Housing Loan Policy and Excess Reserve Interest Rates of Commercial Banks issued by the PBC on March 16 reflects the new thinking of the central bank on macroeconomic regulation and control. One of the new ideas: Totals and structural tools. Monetary policy is the total amount of control tools, do not have the structural adjustment of specific regions or industries functions, and the orientation of personal housing loans to face the interest rate adjustment is obvious?