所谓政策性银行就是指那些多由政府创立、参股或保证的,不以营利为目的,专门为贯彻、配合政府社会经济政策或意图,在特定的业务领域内,直接或者间接从事政策融资活动,充当政府发展经济、促进社会进步、进行宏观经济管理工具的金融机构。我国先后建立了国家开发银行、中国进出口银行,中国农业发展银行这三大政策性银行,并相继展开了业务。作者认为国家开发银行作为国家对经济进行宏观调控的工具,贯彻宏观经济政策,协调经济发展的功能并未 The so-called policy banks refer to those mostly created by the government, shares or guarantees, not for profit purposes, specifically for the implementation, in line with the government’s social and economic policies or intentions, in a particular business area, directly or indirectly engaged in policy financing activities, Acting as the government economic development, promote social progress, macroeconomic management tools for financial institutions. China has successively established three major policy banks, the China Development Bank, the Export-Import Bank of China and the Agricultural Development Bank of China, and successively started their businesses. The author believes that the function of implementing the macroeconomic policy and coordinating economic development has not been considered as a tool for the state to carry out macro-control over the economy.