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信贷规模控制对调控贷款规模、货币乘数、货币供应量具有一定的积极作用，但随着专业银行向商业银行过渡，其负面影响日益明显。为有效地调控货币供应量，央行应创造条件，运用各种更为灵活的调控手段，并加强商业银行的资产负债比例管理，以此取代信贷规模管理。
The control of credit scale has some positive effects on the scale of loan control, currency multiplier and money supply. However, with the transition from commercial banks to commercial banks, the negative impact has been increasingly obvious. In order to effectively control the money supply, the central bank should create the conditions for the use of various more flexible control measures and strengthen the commercial bank’s asset-liability ratio management, thus replacing the credit scale management.