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财政资金与信贷资金的错位是指财政资金的信用化和信贷资金的财政化。前者是指财政部门将其集中的预算外资金、生产专项基金甚至预算内资金以贷款形式向企业单位投放的一种形式。后者是指银行发放的贷款被用来执行财政资金的职能,主要有:货币政策上的赤字发行,信贷资产的政策性垫款以及对政策性贷款的贴息等。这是近几年我国经济领域出现的新情况,新问题,需要我们有个正确的认识。笔者就此谈一些粗浅看法:
The misalignment between fiscal funds and credit funds refers to the credit of financial funds and the financialization of credit funds. The former refers to the financial sector will be concentrated in its extra-budgetary funds, production funds and even budget funds in the form of loans to business units in a form. The latter refers to the bank loans are used to perform the functions of financial funds, mainly: the issuance of deficits in monetary policy, the credit advances of credit assets and discounts on policy loans and so on. This is a new situation and new issue that has emerged in the economic field of our country in recent years and requires us to have a correct understanding. The author talks about some superficial view: