Zusammenfassung der Ressource
Monetary Policy 2
- Qualitative Expansionary
Monetary Policy
- Selective Credit
Controls
- Reduce control on credit
mortgage
- Definition of Credit Mortgage: Control of
loans on buying property through
mortgage.
- The central bank imposes relaxed
mortgage conditions to encourage the
public to buy properties and encourage a
mortgage credit creation process.
- Reduce Control on Margin
Requirement
- Control of margin requirements
limit the volume of loans for
purchase shares.
- Lower margin requirements will
increase the ability of people to buy
shares through loan.
- Reduce Control on Credit
Installment
- Credit instalments affect the
purchasing of goods through loan
or installment
- Relaxed credit instalments terms
such as minimum reduction of
advance payments and the
extension of repayment period will
promote the activities of credit
purchases
- Special Directive
- Central bank will instruct commercial
banks to increase the volume of loans
given to the public.
- The central bank will also influence
commercial banks to loosen their lending
policy, such as the need for collateral
security, guarantors and other measures,
which will encourage borrowing.
- Moral Persuasion
- Carried out by central bank
through direct meetings with
banks.
- Central bank will explain the economic
and financial state of the country and
ask the commercial banks to take
certain steps to overcome any financial
and economic problems faced.