现阶段我国银行信贷的准确目的与客观标准

20世纪末，我国由自然经济向商品经济、计划经济向市场转变过程中，出现了银行越是支持，企业产品越是积压、资金周转不灵、经济运行困难的新情况和新问题，提出生产力两种划分的理论。认为现阶段我国并存着两种类型的生产力。即：生产产品的生产力和生产商品的生产力。21世纪，我国银行信贷的准确目的，应为：支持和促进我国生产商品的生产力的形成和发展，否则，信贷支持的力度越大，产品积压越大，资金沉淀赵多。另外，通过论证物价具有自然上升的规律”，提出了把物价作为信贷的客观标准。拟将物价指数作为衡量宏观信贷效益，单项商品价格作为衡量单个项目信贷的支持客观标准。

About the Exact Aims and Objective Standards of Banks' Credit in Our Country

At the end of 20th century,our country is during the course of changing from natural economy to commercial economy,from plan economy to market economy.Banks offer more help,The more products enterprises kept too long in stock.Funds had not enough to go round.Economy had difficulty in running.And the theory that productive force have two kinds appeared.At present,there are two kinds of productive forces in our country,i.e.the forces for products and commidities.In the 21st century,the exact aim of banks' credit should be to support and promote the formation and development of commidity productive force.Also,by analysing the rule-prices can rise naturally,the author thinks prices can be the objective standard of credit,i.e. price index can be the objective standard of macroscopic credit profit and individual price can be the objective standard of individual credit item.