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一、银行法是对在市场自由分配资源的基础上进行宏观调控的重要手段。 国家对市场经济采取适当的干预和调节,即宏观调控,是保障市场经济机制正常运行,弥补其缺陷的有效措施。这一政策主张的理论基础源于著名英国经济学家约翰·梅纳德·凯恩斯的宏观经济学说和货币理论,即放弃自由放任的原则。实行国家对经济的干预和调节,运用财政政策和货币政策刺激消费,增加投资,以保证社会有足够的有效需求,实现充分就业。实现这一理论的最好实证,就是美国罗斯福政府面临30年代初美国大批企业破产、股市崩溃又导致大批商业银行连锁倒闭的严重经济危机,采取了强有力的宏观调控政策。
First, the banking law is an important means of macro-control on the basis of free distribution of resources in the market. The state’s proper intervention and regulation of the market economy, that is, macro-control, is an effective measure to safeguard the normal operation of the market economic mechanism and make up for its shortcomings. The theoretical basis for this policy advocacy stems from the macroeconomic theory and monetary theory of the famous British economist John Maynard Keynes, the principle of abandoning laissez-faire. Implement state intervention in and regulation of the economy, and use fiscal and monetary policies to stimulate consumption and increase investment so as to ensure sufficient effective social demand and achieve full employment. The best evidence to realize this theory is that the Roosevelt administration in the United States has faced a serious economic crisis of a large number of U.S. bankruptcies and the collapse of the stock market in the early 1930s, leading to the collapse of a large number of commercial banks. China has adopted a vigorous macro-control policy.