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1、IVIVIVIV摘要近期,對于央行將要加息的傳聞愈演愈烈。2月份CPI指數(shù)2.7%,已高于目前一年期2.25%的貸款利率。國家統(tǒng)計局4月15日公布數(shù)據(jù)，數(shù)據(jù)顯示，一季度居民消費價格同比上漲5.0%，其中3月份居民消費價格同比上漲5.4%，環(huán)比下降0.2%,央行加息迫在眉睫。那么這次加息的原因是什么？對銀行業(yè)會產(chǎn)生哪些影響呢？通過分析近10年央行利率政策調(diào)整的效果,現(xiàn)階段還不能確定是加息的最好階段,應(yīng)該確認實體經(jīng)濟已經(jīng)回暖,使宏觀經(jīng)濟政策能夠更好的與中國經(jīng)濟發(fā)展形勢相匹配,這才是現(xiàn)階段最為重要的經(jīng)濟政策調(diào)整目標。今年以來，面對復(fù)雜多變的國際形勢和國內(nèi)經(jīng)濟運行出現(xiàn)的新情況新問題，中國
2、政府堅持實施積極的財政政策和穩(wěn)健的貨幣政策，切實加強和改善宏觀調(diào)控，有針對性地采取有力措施，更加注重發(fā)展方式轉(zhuǎn)變，各項政策效應(yīng)逐步顯現(xiàn)，國民經(jīng)濟保持平穩(wěn)運行，繼續(xù)朝著宏觀調(diào)控的預(yù)期方向發(fā)展。商業(yè)銀行是國家實施宏觀調(diào)控政策的落腳點，商業(yè)銀行對宏觀調(diào)控政策貫徹落實情況關(guān)系到宏觀調(diào)控政策的效果和影響力。本論文立足于宏觀調(diào)控政策，系統(tǒng)研究商業(yè)銀行如何根據(jù)宏觀調(diào)控政策要求、調(diào)控導(dǎo)向來針對性地調(diào)整業(yè)務(wù)發(fā)展策略，對商業(yè)銀行經(jīng)營發(fā)展和國家宏觀調(diào)控政策的貫徹落實都具有現(xiàn)實的指導(dǎo)意義。關(guān)鍵詞:加息經(jīng)濟政策調(diào)控政策發(fā)展策略IVAbstractRecently,thecentralbankraisedi
3、nterestratesfortherumortogetworse.FebruaryCPIindexishigherthan2.7%,thecurrentone-yearlendingrate2.25%.NationalbureauofstatisticsreleasedonApril15,data,datashowedthatconsumerprices,quarteryear-on-yearincreaseinMarch,includingcholesterolby5.0%comparedconsumerpricesrose5.4%,year-on-year,centralb
4、ankdropped0.2%periodisimminent.Sotheratesofwhatbethereason?Whataretheeffectsofbankingwillproduce?Throughtheanalysisofnearly10yearscentralbankinterestratepolicyadjustmenteffect,atthepresentstageisstilluncertainisthebeststage,ratesshouldconfirmentityeconomyhaswarmed,makemacroeconomicpoliciescan
5、betterandChineseeconomydevelopmentsituation,thisisthematchatthemostimportanteconomicpolicyadjustmenttarget.Sincethisyear,inacomplicatedandvolatileinternationalsituationanddomesticeconomicoperationofthenewsituationofthenewproblemappeared,theChinesegovernmentadheretoimplementtheproactivefiscalp
6、olicyandprudentmonetarypolicy,strengthenandimprovemacroeconomicregulation,purposefultakeeffectivemeasures,paymoreattentiontodevelopmentmodechange,thepolicyeffectgraduallyappear,thenationaleconomymaintainedsteadyrunning,continuetomoveinthedirectionofmacro-controlexpected.CommercialBanksarethen
7、ationalmacro-controlpoliciesfoothold,commercialBankstomacroeconomicregulationandcontrolpolicyimplementationinrelationtomacroeconomicregulationandcontrolpolicyeffectandinfluence.Thispaperbasedonthemacroeconomicregulationandcontrolpolicy,system
