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宏观经济调控下,货币政策给金融业带来的影响是深入的。对邮储银行这家成立不久、存贷比不高的新生商业银行而言,影响更大。如何在信贷额度收紧的条件下做好业务的发展与管理,是对我们运筹能力的一次考量。作为国家宏观经济调控主要的经济手段之一,货币政策主要有存款准备金率、再贴现、公开市场业务三大工具。而改变存款准备金率与信贷额度控制,都将对商业银行的经营工作产生较大的影响,尤其对邮储银行这家新生的商业银行而言,影响更大。但货币政策是国家常用的宏观调控手段之一,我们只能通过提升自身的运筹能力来积极应对。
Under macroeconomic control, the impact monetary policy has on the financial industry is profound. For the newly established Commercial Bank of postal savings bank, deposit and lending ratio is not high, the new commercial banks, a greater impact. How to do a good job of business development and management under the conditions of tightening of credit lines is a consideration for our ability to manage operations. As one of the main economic instruments of national macroeconomic regulation and control, monetary policy mainly includes three major tools: deposit reserve ratio, rediscounting and open market operations. However, changing the deposit reserve ratio and credit limit control will have a greater impact on the operation of commercial banks, especially for the nascent commercial bank of Postal Savings Bank. However, monetary policy is one of the macro-control measures commonly used by the state. We can only respond positively by improving our own operational ability.