金融改革目的是促进金融业的健康发展,为金融创新创造更为广阔的空间;金融创新与金融监管是对立统一的,二者的共同目标是促进金融发展。目前,我国银行业仍以发放贷款为主要盈利手段,企业融资仍然依赖于银行贷款。本文研究金融改革、金融监管和金融创新对金融机构信贷行为的影响以及信贷行为变化对贯彻实施中央银行货币政策的要求。 The purpose of financial reform is to promote the healthy development of financial industry and create a broader space for financial innovation. Financial innovation and financial regulation are opposite and unified, and their common goal is to promote financial development. At present, China’s banking industry is still the main means of profitable loans, corporate finance is still dependent on bank loans. This paper studies the impact of financial reform, financial regulation and financial innovation on the credit behavior of financial institutions and the requirements for implementing the monetary policy of the Central Bank through the changes in credit behavior.