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(一) 所谓金融比例管理,是指依据宏观经济状况和银行自身的资金来源、资本金等因素,从宏观上确定货币发行、贷款规模和贷款结构等各种比例;从微观上确定各专业银行的贷款规模、贷款结构等比例,以保证宏观金融的稳定以及各专业银行业务经营的安全性、流动性和效益性。在目前特定的经济金融环境下,金融比例管理兼顾行政手段与经济手段之所长,既能改善金融宏观调控,又有利于强化微观金融管理,是一种有效的宏观和微观金融管理手段。金融比例管理的核心内含在于:从宏观上说,货币借给应与客观合理的货币需求相适应,货币供应增长应与经济发展保持适当比例;信贷资金供应应与经济增长保持合理比例;
(1) The so-called “fiscal ratio management” refers to the macroeconomic determination of various proportions of currency issuance, loan size, and loan structure based on macroeconomic conditions and the bank’s own sources of funds and capital, etc.; and micro-level determination of professional banks. The loan scale, loan structure, and other proportions to ensure the stability of macro-finance and the security, liquidity, and efficiency of various professional banking operations. In the current specific economic and financial environment, financial ratio management taking into account the advantages of administrative means and economic instruments can not only improve financial macro-control, but also help strengthen micro-financial management. It is an effective macro and micro financial management method. The core of financial ratio management is that: macroscopically speaking, currency lending should be compatible with objective and reasonable money demand, and the growth of money supply should maintain a proper ratio with economic development; the supply of credit funds should maintain a reasonable ratio with economic growth;