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近年来 ,我国商业银行的信贷变化受到社会各界的广泛关注。正确看待银行信贷资金在中国社会资金配置中比例下降的问题 ,是正确认识银行在这几年经济发展中的作用的关键。文章认为 ,近几年我国商业银行努力扩大信贷供给 ,其信贷资金供给增长基本上可以满足企业的有效贷款需求的增长以及我国经济增长的需要。而银行信贷资金在社会资金配置中比例下降是中国经济市场化的必然结果 ,它符合市场经济中融资格局多元化以及商业银行自身定位市场化的发展趋势。针对当前银行信贷工作中存在的主要问题 ,文章最后从银行自身方面提出了改进优化资金配置的具体建议。
In recent years, the credit changes of commercial banks in our country have drawn wide attention from all walks of life. Correctly viewing the issue of the declining share of bank credit funds in the social capital allocation in China is the key to correctly understanding the role of banks in economic development in recent years. The article believes that in recent years, China’s commercial banks to expand credit supply efforts, the growth of its supply of credit funds can basically meet the business needs of the effective loan growth and the needs of China’s economic growth. The declining proportion of bank credit funds in the distribution of social funds is an inevitable result of the marketization of China’s economy. It is in line with the diversification of the financing structure in the market economy and the development trend of the market orientation of commercial banks themselves. In view of the main problems existing in the current bank credit work, the article finally put forward specific suggestions on how to optimize the allocation of funds from the aspects of the bank itself.