据央行公布的统计数据,今年前三个月全国人民币贷款增加1.26万亿元,同比多增5193亿元,已完成央行今年信贷计划目标的50%。为此,央行出台紧缩政策,于4月28日上调了贷款利率,以控制贷款的过快增长。那么银行放贷的冲动来自何方呢?一是流动性过剩。近年来,银行流动性过剩一直比较 According to statistics released by the central bank, the first three months of this year, RMB loans nationwide increased by 1.26 trillion yuan, an increase of 519.3 billion yuan more than the same period last year, and the Bank of China has completed 50% of the target of this year’s credit plan. To this end, the central bank introduced a tightening policy and raised the lending rate on April 28 to control the excessive growth of loans. Then the impulse of bank lending come from? First, excess liquidity. In recent years, excess liquidity in banks has been compared