“合意贷款”管理,作为一种市场化的货币政策调控手段,在实际操作过程中扭曲了市场化调控的政策初衷,对县域法人金融机构信贷支农的负面影响较为突出2011年初,为应对流动性不断充裕和通胀压力显著加大等挑战,央行开始实施“合意贷款”规模管控,其核心内容是金融机构适当的信贷投放应与其自身的资本水平以及经济增长的合理需要相匹配。合意贷款政策实施以来,对于平滑信贷均衡适度投放、引导信贷结构调整优化起到了一定效果,但在实践中仍存在管理政策在基层传导阻滞等诸多问题,有必要对该项政策适时进行调整、优化和完善。 As a market-based monetary policy regulation and control instrument, it distorts the original intention of market-oriented regulation and control in the actual operation process and has a prominent negative impact on the credit support for rural financial institutions in early 2011 In response to such challenges as ample liquidity and inflationary pressures, the central bank started to implement the “loan-of-scope” control. The core content is that proper credit provision of financial institutions should be matched to their own capital level and the reasonable needs of economic growth . Since the implementation of the Provisional Loan Policy, it has been effective in smoothing the credit equilibrium and guiding the credit structure adjustment and optimization. However, in practice, there are still many problems such as the retardation of the management policy at the grassroots level. It is necessary to make timely adjustments to this policy, Optimization and improvement.