信贷政策和货币政策是功能作用既有联系又有区别的两个政策。货币政策的作用领域是宏观总量,它是通过运用各种货币政策工具,重点调节货币供求关系,因此,从根本来说,货币政策的调控重点是货币总量。信贷政策则是在货币总量政策的约束下,通过提高资金融通效率,合理配置信贷资源,调节经济增长的结构和加快经济 Credit policy and monetary policy are two policies that have both connected and differentiated functions. The role of monetary policy is the macroeconomic aggregate. It focuses on adjusting the supply and demand of money through the use of various monetary policy instruments. Therefore, fundamentally speaking, the monetary policy is mainly controlled by the total amount of money. Under the policy of monetary aggregates, credit policy is to increase the efficiency of capital construction, rationally allocate credit resources, adjust the structure of economic growth and speed up economic development