货币政策调控对西安地区商业银行信贷行为的影响分析

摘要

为有效应对世界性金融危机给我国造成的不利影响．我国的货币政策做出了由“从紧”到“适度宽松”再到“稳健”的适应性调整。但商业银行的赢利属性容易造成其经营目标与国家货币政策发生背离，从而影响到货币政策的实施效果。本文通过对货币政策调控与商业银行信贷行为之间关系的实证分析，对增强宏观调控政策的有效性提出建议。%To effectively deal with the adverse impact of the global financial crisis, China has implemented adaptive adjustments on monetary policy, shifling from tight to moderately loose, and to sound stance~ But due to inherent profitability, the objectives of commercial banks are likely to deviate from the goal of national monetary policy, which may influence the effects of the policy. With empirical analysis, this article studies the relationship between monetary policy adjustment and commercial banks＇ credit behaviors, and suggests on how to improve the effectiveness of macro-economic adjustment.