Furthermore, the PBC uses unconventional instruments from time to time, such as “credit ceilings” or “credit quotas” imposed on commercial banks. This may result in “extra reserves,” which commercial banks cannot use to extend their credit lines.
此外人行还不时采用一些非常规手段，比如向商业银行施加“信贷最高额”或是“信贷配额”。这也能取得“额外储备”的效果，因为商业银行无法发放超过限额的汇款。今年早些时候实施的信贷限额使商业银行额外产生了2%~3%的储备。