适度的信贷扩张是推动经济发展的动力,但信贷过度扩张就会对经济产生负面效应,包括增加通货膨胀压力,加剧经济结构失衡,累积金融系统风险等。我国金融机构近年来保持了较快的信贷增长,对宏观经济的稳健运行产生一定负面影响。遏制银行信贷的过快增长,已成为央行当前艰巨的任务。 Moderate credit expansion is the driving force for economic development. However, excessive credit expansion will have negative economic effects, including increasing inflationary pressures, aggravating economic structural imbalances, and accumulating financial system risks. In recent years, China’s financial institutions have maintained a relatively rapid credit growth, which has a certain negative impact on the steady operation of the macroeconomy. To curb the rapid growth of bank credit has become a central bank’s current arduous task.