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商业银行的贷款投向既受国家货币政策的影响,也受利润考核指标的驱使,对利润的过度追逐,会使商业银行的信贷投向偏离货币当局的政策意图,加重货币政策的时滞效应。本文在对邯郸辖区商业银行信贷投向与货币政策实施效应进行分析的基础上,提出了明确职责、合理授权、实行差别化货币政策以及建立信贷风险补偿机制,发展地方金融市场等增强货币政策有效性的政策建议。
The lending direction of commercial banks is affected not only by the national monetary policy but also by the indicators of profit assessment. Excessive chase of profits will distort commercial banks’ credit orientation from monetary policy intention and aggravate the lag effect of monetary policy. Based on the analysis of credit effects and monetary policy implementation effects of commercial banks in Handan area, this paper puts forward some measures to enhance the effectiveness of monetary policy, such as clarifying responsibilities, rationally authorizing, implementing differentiated monetary policy, establishing credit risk compensation mechanism, developing local financial markets and so on Policy recommendations.