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尽管在历史上贷存比限制曾经发挥了合理和积极的作用,但由于内外经济条件的变化,我们需要尽早正视和尽快解决这一不合时宜的制度安排,并通过进一步的利率和汇率市场化,通过尽量减少和早日放弃信贷的额度管制,通过改善和强化以资本充足率为核心的金融监管体系,来抓紧理顺商业银行的行为以及宏观货币调控体系,从而疏堵结合,正本清源,激浊扬清,并防患于未然。
Although historically the limit on loan-to deposit ratio once played a reasonable and positive role, due to the changes in domestic and foreign economic conditions, we need to face up to this as soon as possible and solve this outdated institutional arrangement as soon as possible. Through the further marketization of interest rates and exchange rates, We will try our best to reduce and abolish the quota control of credit at an early date so that we can streamline and exterminate the combination through rationalizing and strengthening the financial regulatory system centered on the capital adequacy ratio to rationalize the behavior of commercial banks and the macro-monetary regulatory system , And take preventive measures.