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从理论上讲,当金融机构提高贷款利率时,将抑制企业对银行资金的需求,从而达到紧缩银根的目的;反之,当金融机构降低贷款利率时,将刺激企业对银行资金的需求,从而达到放松银根的目的。1996年5月1日和8月23日,经国务院批准,中国人民银行两次降低了金融机构的各项存贷款利率,中国人民银行新闻发言人就降低利率答记者问时指出:降低利率并不意味着放松银根,适度从紧的货币政策不会改变。
Theoretically, when financial institutions raise lending rates, they will curb their demand for bank funds so as to achieve the purpose of tightening their monetary policy. Conversely, when financial institutions reduce their lending rates, they will stimulate their demand for bank funds so as to achieve The purpose of relaxing money. On May 1 and August 23, 1996, with the approval of the State Council, the People’s Bank of China lowered the interest rates on various deposits and loans of financial institutions twice. As the PBOC spokesman replied on the question of lowering interest rates, he pointed out: Reduce interest rates Does not mean that monetary easing, moderately tight monetary policy will not change.