近年来信贷资金配给不断呈现结构马太效应,造成经济发展的局部不均衡和经济增长的结构性偏差,其主要原因是由于市场趋利作用,弱化了信贷资金政策调节公平的力度。本文通过对信贷资金马太效应不利影响进行了分析,提出了如何运用信贷政策手段平衡信贷结构,促进经济和谐发展的对策。 In recent years, the distribution of credit funds has been continuously shown by the Matthew effect, resulting in a partial imbalance in economic development and structural deviation in economic growth. The main reason is that due to the market’s profit-making effect, the adjustment of credit funds policy has weakened the fairness. By analyzing the adverse effects of the Matthew effect of credit funds, this paper puts forward some countermeasures of how to use credit policies to balance the credit structure and promote the harmonious development of economy.