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信贷政策,是指中央银行根据国家的宏观经济政策、产业政策、区域经济发展政策、投资政策等制定的指导金融机构贷款投向的政策。信贷政策包括两个方面的内容:一是控制总量,即控制与调节社会信用总规模,以适应社会经济发展的需要;二是调节结构,对信用总量的结构和投向进行调整、控制,使社会资金得以最合理的配置,发挥最大的经济效益,并促进经济结构的优化。
The credit policy refers to the policy of the central bank to guide the lending of financial institutions according to the national macroeconomic policies, industrial policies, regional economic development policies and investment policies. Credit policy includes two aspects: First, the total amount of control, that is, control and adjust the total scale of social credit in order to meet the needs of social and economic development; second, adjust the structure, adjust the structure and orientation of the total amount of credit, control, So that the social funds can be the most reasonable allocation, maximize the economic benefits, and promote the optimization of economic structure.