一、问题的提出新中国成立以来,我国信贷政策大致经历了两个重要的阶段,其中的分水岭当属1998年中国人民银行取消对金融机构贷款限额的控制。在1998年之前,受贷款规模限制,信贷政策主要表现为直接管理,以强制性的行政管制或行政约束为典型特征。如果对这一时期进行细分,又可以1979年我国从计划经济开始转轨作为分界线,1979年以前是纯计划经济时期,实行的是统一集中而丧失独立性的信贷管理体制;1979年以后至1998年,实行的是 First, the issue raised Since the founding of New China, China’s credit policy has gone through two major stages, one of the watershed was undoubtedly in 1998 the People’s Bank of China to lift the control of financial institutions to limit the loan. Prior to 1998, subject to the size of loans, credit policies mainly manifested themselves as direct management, with mandatory administrative regulations or administrative constraints as their typical features. If this period is subdivided, then we can start with the transition from a planned economy in 1979 to the demarcation line in China. Before 1979, it was a period of a purely planned economy, and a credit management system that unified and lost independence was implemented. From 1979 to In 1998, it was implemented