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中国银监会在规范贷款业务的“三个办法一个指引”中,提出了“实贷实付”的贷款使用支付原则。本文重点围绕“实贷实付”对我国实体经济,包括商业银行、借款人和宏观经济等方面的全方位影响进行系统分析,以期对我国银行业实施“实贷实付”的贷款支付方式提供借鉴。
China Banking Regulatory Commission in regulating the loan business “three ways a guide ”, proposed “real loan real payment ” loan usage payment principle. This paper focuses on the “real loan payment” on the real economy of our country, including commercial banks, borrowers and macroeconomic aspects of the omni-directional impact of a systematic analysis of China’s banking industry in order to implement “real loans paid” Loan payment methods to provide reference.