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在治理整顿经济环境中,国家对信贷资金实行总量控制、紧缩银根的政策下,银行只存不贷或多存少贷,这就使本已存在的资金短缺的问题日趋严重。一些地方和企业不经批准,实行强行或变相集资以求解决资金困难;有的企业坐支现金,有款不存银行,用巨额现金进行商品交易结算,从而形成资金体外循环。这种情况不仅不利于稳定金融形势,也使资金来源减少;如果体外循环资金规模一旦大于银行所要收缩的规模,紧缩银根的初衷不但难以达到,而且会导致新的通货膨胀和全面信用危机。
In the process of rectifying and rectifying the economic environment, under the state’s policy of controlling the total amount of credit funds and tightening monetary policy, banks will only be able to keep loans or to keep more loans, which will make the existing shortage of funds increasingly serious. Some localities and enterprises have implemented forced or indiscriminate fundraising to solve the financial difficulties without approval; some companies have taken in cash, some have not deposited banks, and used huge sums of cash to settle commodity transactions, thus forming a fund for extracorporeal circulation. This situation is not only not conducive to stabilizing the financial situation, but also reducing the source of funds. If the size of extracorporeal circulation funds exceeds the size of the banks’ contraction, the original intention of tightening monetary policy will not only be difficult to achieve, but will also lead to new inflation and an overall credit crisis.