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信贷政策是人民银行的一项重要政策工具。贷款效率高低对于金融支持实体经济效果具有决定性影响。本文从贷款效率界定及其效率测算方法修正入手,以绍兴市为例进行了实证研究,发现近年来绍兴市贷款配置效率提高,但使用效率降低。在此基础上,根据配置效率和使用效率的变化,提出了确定信贷政策总体策略的理论模型。
Credit policy is an important policy tool of the People’s Bank of China. The level of loan efficiency has a decisive impact on the financial viability of the real economy. This paper begins with the definition of loan efficiency and the revision of its efficiency measurement method. Taking Shaoxing City as an example, this paper conducts an empirical study and finds that the allocation efficiency of loan in Shaoxing City has increased in recent years, but the efficiency of its use has been reduced. On this basis, according to the change of configuration efficiency and usage efficiency, a theoretical model of determining the overall strategy of credit policy is put forward.