摘要
信贷政策作为指导金融机构信贷投向、促进经济结构调整的宏观调控政策,近年来其执行力受到一定的质疑和挑战,人民银行相应建立和实施信贷政策执行效果评估制度予以应对。本文阐述了该制度建立的背景和必要性,各地人民银行实践模式以及美国《社区再投资法》对我国信贷政策评估的借鉴意义,认为应在现有基础上建立统一的评估框架,加大信息披露和评级的力度,明确激励约束机制,并适时立法,理顺信贷政策执行的监管机制,才能使信贷政策执行效果评估具备持久生命力。
In the recent years, credit policy, as a macro-control policy to guide credit distribution and enhance economic restructuring, has been doubted and challenged to some extent on its implementation. People＇ s Bank of China （ PBC ） accordingly sets up and runs assessment system of effects on credit policy implementation （ ASECPI ） to address that issue. This paper explains the baekground and necessity of the establishment of ASECPI, describes the practices of ASECPI on PBC branches of different level, and introduces the reference value of reinvestment bill of communities in USA to ASECPI in China. The conclusion is that in order to maintain its dynamics and endurance, ASECPI should be unified, information disclosure and assessment should be intensified, incentive and constraint mechanism should be clarified, legislation should be made timely, and surveillance mechanism of credit policy implementation should be streamlined.
出处
《南方金融》
北大核心
2008年第7期10-12,66,共4页
South China Finance
关键词
信贷政策
执行效果
评估制度
Credit Policy
Implementation Effect
Assessment System
