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1998年以来,我国处于通货紧缩阶段,商业银行的信贷活动发生了急剧的变化,信贷集中现象引起全社会的普遍关注,产生了深刻的影响。信贷集中现象的产生有其独特的社会背景;从理论的角度看也有其产生的依据。本文拟从货币政策信贷传导的理论着手,分析我省信贷集中现象的宏观影响及改善措施。 一、信贷集中现象。 从1998年以来,我国的物价指数不断负增长,但从物价下降(单要素论)来看,通货紧缩已毋庸置疑(谢平、刘锡亮,2001)。同时我国金融业又不断进行改革,1994年尤其是亚洲金融危机以来,政府不断出台一系列措施对商业银行信贷管理进
Since 1998, China has been in a period of deflation, and the credit activities of commercial banks have undergone drastic changes. The phenomenon of credit concentration has drawn the widespread concern of the whole society and has had a profound impact. The emergence of credit concentration has its unique social background; from the theoretical point of view, it also has its basis. This article intends to proceed from the theory of credit transmission of monetary policy and analyzes the macroeconomic impact of credit concentration in our province and its improvement measures. First, the phenomenon of credit concentration. Since 1998, the price index in our country has been continuously negatively increasing. However, deflation has been beyond doubt due to price declines (single factor theory) (Xie Ping, Liu Xiliang, 2001). At the same time, China’s financial industry has been carrying out reforms. Since 1994, especially since the Asian financial crisis, the government has introduced a series of measures to control the credit management of commercial banks