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中国正处于经济转轨过程中,结构性矛盾十分突出。信贷政策是中央银行根据国家宏观经济政策、产业政策、区域经济发展政策和投资政策,并衔接财政政策、利用外资政策等制定的指导金融机构贷款投向的政策,其主要目标是为了改善信贷结构,促进经济结构的调整、科学技术的进步、社会资源的优化配置。因此,如何制定并实施科学的信贷政策以解决中国经济结构矛盾具有非常重要的意义。本文拟从货币经济学新范式的视角分析中国当前信贷政策存在的问题及改革。
China is in the process of economic transition, and its structural contradictions are very prominent. Credit policy is the policy of the central bank to guide the lending of financial institutions in accordance with the state’s macroeconomic policies, industrial policies, regional economic development policies and investment policies, and the convergence of fiscal policies and the use of foreign investment policies. Its main objective is to improve the credit structure, Promote the adjustment of economic structure, the progress of science and technology and the optimal allocation of social resources. Therefore, it is of great importance to formulate and implement a scientific credit policy to resolve the contradictions in China’s economic structure. This article intends to analyze the current problems and reforms in China’s current credit policy from the perspective of a new paradigm of monetary economics.