央行货币信贷政策是优化金融资源配置、影响宏观经济形势的基本因素之一,也是目前社会各界广泛关注的焦点问题。近年来,针对经济发展过程中出现的新形势和新问题,央行逐步加大了货币信贷调控力度,各商业银行信贷规模、结构也在发生显著的调整和变化。本文概括分析了近年来货币 The central bank’s monetary and credit policies are one of the basic factors that optimize the allocation of financial resources and affect the macroeconomic situation. They are also the focus of widespread concern in the community at present. In recent years, in light of the new situation and new problems that have emerged in the process of economic development, the Central Bank has gradually stepped up its efforts in monetary and credit control. The credit scale and structure of commercial banks are also undergoing significant adjustments and changes. This article summarizes the currencies in recent years