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中国信贷制度在从计划信贷制度走向市场信贷制度的过程中,信贷功能逐步由单纯的、从属于财政的货币分配角色向资源配置和融资功能回归。对应于信贷制度的变迁,中国国有银行的信贷行为也由行政性信贷配给逐步向市场性信贷配给转变。这种转变直接影响银行信贷结构、信贷规模的变化和信贷资源的配置效率。理解中国信贷制度变迁的内在逻辑是了解中国金融机构信贷微观运行与宏观效应的基础。
In the course of going from a planned credit system to a market credit system, the credit function of China gradually returns to the function of resource allocation and financing from purely monetary subordination to finance. Corresponding to the change of the credit system, the credit behavior of China’s state-owned banks is also gradually shifted from the administrative credit rationing to the market-based credit rationing. This change has a direct impact on the bank’s credit structure, changes in the size of credit and the allocation efficiency of credit resources. Understanding the inherent logic of the changing credit system in China is the basis for understanding the microcosmic operation and macroeconomic effects of credit in China’s financial institutions.