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中央定向降准释放政策意图:预调微调而非转向

来源: 南方日报网络版     时间: 2018年12月16日 10:17:32
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新宝3测试信誉平台官方,招龙虎和代理注册实力诚招代理Q扣99277339时时彩龙虎和,意彩彩票代理,意彩官网,意彩平台注册,意彩乐官网,意彩娱乐官方网站中央定向降准释放政策意图:预调微调而非转向

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(  在)(机)(构)(纷)(纷)(“甜)(蜜)(地)(预)(期)(”着)(“全)(面)(降)(准)(”到)(来)(的)(端)(午)(前)(夕)(,中)(央)(给)(出)(了)(答)(案)(。  5月)(30日)(,国)(务)(院)(总)(理)(李)(克)(强)(主)(持)(召)(开)(国)(务)(院)(常)(务)(会)(议)(,部)(署)(落)(实)(和)(加)(大)(金)(融)(对)(实)(体)(经)(济)(的)(支)(持)(。会)(议)(明)(确)(,加)(大)(“定)(向)(降)(准)(”措)(施)(力)(度)(,对)(发)(放)(“三)(农)(”、小)(微)(企)(业)(等)(符)(合)(结)(构)(调)(整)(需)(要)(、能)(够)(满)(足)(市)(场)(需)(求)(的)(实)(体)(经)(济)(贷)(款)(达)(到)(一)(定)(比)(例)(的)(银)(行)(业)(金)(融)(机)(构)(适)(当)(降)(低)(准)(备)(金)(率)(。  早)(在)(今)(年)(4月)(16日)(,国)(务)(院)(常)(务)(会)(议)(上)(就)(曾)(提)(出)(,“要)(加)(大)(涉)(农)(资)(金)(投)(放)(,对)(符)(合)(要)(求)(的)(县)(域)(农)(村)(商)(业)(银)(行)(和)(合)(作)(银)(行)(适)(当)(降)(低)(存)(款)(准)(备)(金)(率)(”。  此)(后)(,虽)(然)(各)(大)(机)(构)(屡)(屡)(发)(声)(,称)(当)(前)(形)(势)(下)(央)(行)(应)(“普)(遍)(降)(准)(”,但)(一)(个)(月)(后)(的)(这)(次)(“局)(部)(降)(雨)(”还)(是)(明)(确)(地)(释)(放)(出)(了)(中)(央)(的)(货)(币)(政)(策)(意)(图)(:预)(调)(、微)(调)(,而)(不)(是)(货)(币)(政)(策)(的)(转)(向)(。  定)(向)(谁)(:瞄)(准)(三)(农)(,指)(向)(小)(微)(企)(业)(  从)(2012年)(5月)(18日)(至)(今)(,央)(行)(一)(直)(没)(有)(全)(面)(对)(利)(率)(和)(存)(准)(率)(进)(行)(过)(调)(整)(。今)(年)(4月)(25日)(,央)(行)(下)(调)(了)(县)(域)(农)(村)(商)(业)(银)(行)(人)(民)(币)(存)(款)(准)(备)(金)(率)(2个)(百)(分)(点)(,同)(时)(,还)(下)(调)(县)(域)(农)(村)(合)(作)(银)(行)(人)(民)(币)(存)(款)(准)(备)(金)(率)(0.5个)(百)(分)(点)(,此)(举)(被)(市)(场)(称)(为)(“定)(向)(降)(准)(”。  与)(上)(一)(次)(的)(“定)(向)(降)(准)(”相)(比)(,此)(次)(“定)(向)(降)(准)(”的)(结)(构)(、导)(向)(政)(策)(更)(加)(明)(确)(,因)(而)(范)(围)(也)(有)(所)(扩)(大)(。除)(上)(一)(次)(的)(专)(项)(支)(持)(“三)(农)(”外)(,此)(次)(将)(支)(持)(的)(范)(围)(扩)(大)(至)(“三)(农)(”和)(小)(微)(企)(业)(。  另)(一)(个)(范)(围)(上)(的)(调)(整)(是)(,有)(“定)(向)(降)(准)(”资)(格)(的)(银)(行)(业)(金)(融)(机)(构)(不)(再)(限)(于)(“符)(合)(要)(求)(的)(县)(域)(农)(村)(商)(业)(银)(行)(和)(合)(作)(银)(行)(”,凡)(是)(“三)(农)(”、小)(微)(贷)(款)(达)(到)(一)(定)(比)(例)(的)(银)(行)(,均)(有)(可)(能)(享)(受)(“定)(向)(降)(准)(”的)(优)(惠)(政)(策)(。这)(意)(味)(着)(,像)(农)(行)(这)(种)(专)(注)(于)(“三)(农)(”金)(融)(服)(务)(的)(银)(行)(,以)(及)(农)(信)(社)(等)(机)(构)(,未)(来)(获)(得)(“定)(向)(降)(准)(”的)(可)(能)(性)(大)(大)(增)(加)(。  不)(过)(正)(因)(为)(是)(“定)(向)(降)(准)(”,市)(场)(更)(为)(关)(注)(具)(体)(哪)(些)(银)(行)(能)(在)(定)(向)(的)(名)(单)(里)(。虽)(然)(目)(前)(还)(没)(有)(确)(定)(的)(名)(单)(公)(布)(,但)(“确)(定)(不)(在)(定)(向)(范)(围)(内)(”的)(银)(行)(却)(基)(本)(上)(被)(筛)(拣)(了)(出)(来)(。央)(行)(金)(融)(市)(场)(司)(司)(长)(纪)(志)(宏)(明)(确)(表)(示)(,对)(于)(虽)(在)(县)(域)(,但)(主)(要)(信)(贷)(都)(投)(向)(大)(企)(业)(、非)(农)(领)(域)(的)(银)(行)(,是)(不)(会)(享)(受)(较)(低)(的)(存)(款)(准)(备)(金)(率)(的)(。  潜)(台)(词)(:微)(调)(控)(,货)(币)(政)(策)(不)(会)(转)(向)(  “定)(向)(降)(准)(”包)(含)(着)(一)(个)(明)(显)(的)(潜)(台)(词)(:全)(面)(降)(准)(的)(可)(能)(性)(降)(低)(了)(。  权)(威)(人)(士)(表)(示)(,加)(强)(“定)(向)(降)(准)(”并)(非)(意)(味)(着)(政)(策)(转)(向)(。首)(先)(,央)(行)(近)(两)(年)(一)(直)(在)(使)(用)(定)(向)(政)(策)(;其)(次)(,定)(向)(政)(策)(不)(会)(扩)(大)(到)(所)(有)(机)(构)(;第)(三)(,货)(币)(政)(策)(不)(会)(整)(体)(放)(松)(,而)(是)(更)(注)(重)(结)(构)(性)(调)(整)(。  “加)(大)("定)(向)(降)(准)("措)(施)(力)(度)(并)(不)(意)(味)(稳)(健)(货)(币)(政)(策)(取)(向)(的)(改)(变)(。”中)(国)(人)(民)(银)(行)(金)(融)(市)(场)(司)(司)(长)(纪)(志)(宏)(表)(示)(,央)(行)(会)(从)(整)(体)(上)(权)(衡)(考)(虑)(,将)(运)(用)(各)(种)(工)(具)(保)(持)(适)(度)(流)(动)(性)(,保)(持)(货)(币)(市)(场)(稳)(定)(运)(行)(。  纪)(志)(宏)(表)(示)(,此)(次)(“定)(向)(降)(准)(”主)(要)(是)(“总)(量)(稳)(定)(、优)(化)(结)(构)(、疏)(通)("三)(农)("、小)(微)(金)(融)(服)(务)(实)(体)(经)(济)(的)(血)(脉)(。”它)(的)(作)(用)(是)(使)(金)(融)(机)(构)(支)(持)(“三)(农)(”和)(小)(微)(的)(可)(用)(资)(金)(增)(加)(。对)(“三)(农)(”和)(小)(微)(的)(贷)(款)(达)(到)(一)(定)(比)(例)(,可)(以)(享)(受)(相)(对)(较)(低)(的)(存)(款)(准)(备)(金)(率)(,等)(于)(是)(通)(过)(加)(强)(考)(核)(、监)(测)(来)(引)(导)(金)(融)(机)(构)(把)(资)(金)(投)(向)(到)(这)(些)(领)(域)(。这)(些)(机)(构)(的)(存)(款)(准)(备)(金)(率)(低)(一)(些)(,其)(财)(务)(成)(本)(、资)(金)(可)(用)(的)(量)(也)(会)(加)(大)(。这)(些)(都)(是)(正)(向)(的)(激)(励)(措)(施)(,激)(励)(商)(业)(银)(行)(往)(这)(样)(的)(方)(向)(去)(投)(入)(。从)(这)(个)(角)(度)(上)(说)(,“定)(向)(降)(准)(”主)(要)(是)(疏)(通)(了)(政)(策)(的)(传)(导)(渠)(道)(。  据)(中)(国)(银)(行)(国)(际)(金)(融)(研)(究)(所)(副)(所)(长)(宗)(良)(估)(计)(,现)(在)(中)(国)(约)(有)(100万)(亿)(的)(存)(款)(,从)(全)(面)(降)(准)(的)(总)(量)(测)(算)(,如)(果)(降)(低)(0.5个)(百)(分)(点)(,释)(放)(的)(资)(金)(量)(约)(为)(5000亿)(。“现)(在)("定)(向)(降)(准)("幅)(度)(没)(定)(,但)(是)(针)(对)(性)(强)(,可)(以)(降)(低)(的)(幅)(度)(会)(大)(一)(些)(。”宗)(良)(认)(为)(,本)(次)(“定)(向)(降)(准)(”加)(入)(了)(小)(微)(企)(业)(,释)(放)(资)(金)(预)(计)(会)(超)(过)(1000亿)(,加)(上)(4月)(县)(域)(“定)(向)(降)(准)(”,综)(合)(效)(果)(看)(,几)(乎)(可)(以)(达)(到)(3000亿)(资)(金)(量)(的)(释)(放)(。这)(3000亿)(左)(右)(的)(有)(针)(对)(性)(的)(“局)(部)(降)(雨)(”,将)(和)(央)(行)(的)(其)(他)(政)(策)(工)(具)(搭)(配)(,以)(保)(持)(货)(币)(信)(贷)(和)(社)(会)(融)(资)(规)(模)(合)(理)(增)(长)(。  要)(盯)(住)(:那)(些)(乱)(伸)(的)(手)(降)(低)(社)(会)(融)(资)(成)(本)(  本)(次)(国)(务)(院)(常)(务)(会)(议)(再)(次)(明)(确)(提)(出)(,要)(降)(低)(社)(会)(融)(资)(成)(本)(。与)(上)(一)(次)(重)(点)(在)(县)(域)(农)(村)(商)(业)(银)(行)(的)(重)(点)(部)(署)(有)(所)(不)(同)(,这)(一)(次)(大)(家)(关)(注)(的)(重)(点)(更)(多)(是)(定)(向)(降)(准)(能)(否)(有)(效)(解)(决)(小)(微)(企)(业)(融)(资)(难)(、融)(资)(贵)(的)(问)(题)(。  提)(到)(“融)(资)(贵)(”、“融)(资)(难)(”的)(问)(题)(,就)(不)(得)(不)(提)(所)(谓)(的)(影)(子)(银)(行)(体)(系)(。全)(国)(人)(大)(财)(经)(委)(副)(主)(任)(吴)(晓)(灵)(在)(日)(前)(发)(布)(的)(报)(告)(中)(指)(出)(,截)(至)(2013年)(末)(,中)(国)(体)(系)(内)(影)(子)(银)(行)(规)(模)(达)(51651亿)(元)(,与)(2012年)(末)(的)(3万)(多)(亿)(元)(的)(规)(模)(相)(比)(,增)(幅)(明)(显)(。这)(些)(游)(离)(在)(传)(统)(金)(融)(机)(构)(贷)(款)(之)(外)(的)(融)(资)(渠)(道)(,在)(“输)(血)(”企)(业)(的)(同)(时)(,更)(推)(高)(了)(企)(业)(的)(融)(资)(成)(本)(。  既)(然)(小)(微)(企)(业)(普)(遍)(出)(现)(资)(金)(紧)(张)(问)(题)(,为)(什)(么)(它)(们)(只)(能)(得)(到)(地)(方)(小)(行)(的)(信)(贷)(支)(持)(,而)(实)(力)(雄)(厚)(的)(国)(有)(大)(行)(却)(不)(能)(对)(其)(作)(出)(同)(样)(的)(行)(动)(?最)(近)(一)(两)(年)(执)(行)(的)(定)(向)(降)(准)(,一)(直)(以)(地)(方)(小)(银)(行)(为)(对)(象)(,不)(仅)(如)(此)(,政)(策)(面)(上)(还)(加)(强)(了)(对)(民)(间)(金)(融)(的)(支)(持)(力)(度)(,其)(政)(策)(意)(图)(显)(然)(也)(是)(基)(于)(民)(间)(金)(融)(和)(以)(民)(间)(资)(本)(为)(主)(体)(的)(小)(微)(企)(业)(“血)(缘)(”相)(近)(,从)(而)(通)(过)(壮)(大)(民)(间)(金)(融)(的)(力)(量)(来)(给)(小)(微)(企)(业)(以)(更)(多)(的)(信)(贷)(支)(持)(。  目)(前)(,国)(有)(大)(银)(行)(对)(降)(准)(也)(产)(生)(了)(很)(热)(切)(的)(期)(待)(,按)(理)(来)(说)(,在)(它)(们)(的)(信)(贷)(资)(金)(额)(度)(有)(所)(增)(加)(后)(,如)(果)(能)(够)(投)(向)(于)(小)(微)(企)(业)(,那)(么)(经)(济)(运)(行)(中)(最)(为)(薄)(弱)(的)(环)(节)(就)(能)(够)(得)(到)(有)(力)(的)(“输)(血)(”。但)(央)(行)(不)(打)(算)(开)(这)(个)(口)(子)(,这)(表)(明)(其)(对)(国)(有)(大)(行)(的)(信)(贷)(投)(向)(不)(放)(心)(。  事)(实)(上)(,前)(几)(年)(频)(繁)(降)(准)(的)(时)(候)(,国)(有)(大)(银)(行)(的)(信)(贷)(资)(金)(大)(多)(投)(向)(了)(政)(府)(的)(重)(大)(投)(资)(项)(目)(,甚)(至)(投)(向)(了)(房)(地)(产)(等)(领)(域)(,导)(致)(房)(地)(产)(调)(控)(长)(期)(未)(能)(见)(效)(。  此)(轮)(定)(向)(降)(准)(的)(结)(构)(性)(作)(用)(,正)(是)(体)(现)(在)(盯)(住)(国)(有)(银)(行)(乱)(伸)(的)(手)(,让)(一)(些)(地)(方)(小)(行)(“先)(沾)(雨)(露)(”,同)(时)(督)(促)(国)(有)(大)(行)(切)(实)(履)(行)(其)(社)(会)(责)(任)(,将)(信)(贷)(投)(向)(的)(重)(点)(扭)(转)(到)(小)(微)(企)(业)(这)(方)(面)(来)(。(新)(华)(财)(经)(综)(编)(万)(玉)(航)()
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