選擇性信用管制
選擇性信用管制
| 中文名詞 | 選擇性信用管制 |
|---|---|
| 英文名詞 | Selective Credit Controls |
| 中文解釋 | 選擇性信用管制係指對金融機構某些業務採取限制措施，以控制資金的流向與流量，達成特定的經濟目標。其目的在於透過對特定銀行放款業務項目與量的限制，以抑制投機性的資金需求，進而穩定金融。依據現行「中央銀行法」及「銀行法」規定，央行可採行的選擇性信用管制措施包括不動產信用管制、消費者信用管制、直接信用管制與貸放比率的限制等。[1] |
| 英文解釋 | Selective credit controls refer to measures taken by the Bank to restrict certain types of credit extended by financial institutions in order to achieve certain economic targets by controlling the direction and the amount of capital flow. The objective is to restrain speculative capital demand and to further promote financial stability by imposing a maximum limit for the amount and various kinds of credit extended business of banks. According to "The Central Bank of China Act" and "Banking Act", the selective credit control policies which can be implemented by the Central Bank of China include real estimate credit control, consumers credit control, direct control and control on loan ratio, etc...[1] |