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本文根据稳健货币政策环境下信贷投放和特点,以及当前金融机构信贷风险的防范策略,提出金融机构应当从建立健全信贷风险管理基础制度、培育信贷文化、加强金融创新、建立资金补充机制等方面来进行信贷风险控制和防范,并通过金融创新有效贯彻稳健货币政策,积极助推经济增长。
Based on the credit distribution and characteristics in a prudent monetary policy environment and the precautionary strategies of credit risk in current financial institutions, this paper suggests that financial institutions should set forth the basic credit credit risk management system, cultivate credit culture, strengthen financial innovation and establish a mechanism for replenishment of funds Conducted credit risk control and prevention, and effectively implemented sound monetary policies through financial innovations to boost economic growth.