信贷政策的产品化是指中央银行制定具体的信贷政策目标,通过合同招标等形式由特定的商业银行执行,商业银行执行了特定的信贷政策,相当于生产了一个政策产品,中央银行或财政部门负责购买该产品提供给社会。通过信贷政策产品化可以改进信贷政策实施方式,提高信贷政策实施效果,降 The commercialization of credit policy refers to the central bank to develop specific credit policy objectives, by contract bidding and other forms of implementation by a specific commercial bank, commercial banks to implement a specific credit policy, the equivalent of producing a policy product, the central bank or the financial sector Responsible for purchasing the product for the community. Productization of credit policies can improve the implementation of credit policies and enhance the effectiveness of credit policies.