次贷危机后,我国经济曾一度低迷,那么怎样发挥银行信贷的资金链功能并保证经济迅速走出低迷,就势必成为政府的头等大事。文章在分析金融危机背景下我国银行信贷所凸显的一系列顺周期隐患的基础上,从“逆周期”的角度对银行信贷路径选择展开探讨,认为:只有增加逆周期资本缓冲、提高资本充足率,才能达到银行信贷控制监管的预期目的。 Subprime mortgage crisis, China’s economy was once sluggish, then how to play the role of bank credit funds chain and ensure that the economy quickly out of the doldrums, it will inevitably become the top priority for the government. Based on the analysis of a series of potential risks in the banking of our country in the context of the financial crisis, the article explores the choice of bank credit from the perspective of “countercyclical ”, and holds that: Only by increasing countercyclical capital buffer and raising capital Adequate rate in order to achieve the expected purpose of bank credit control regulation.