This paper studies the current imf conditional crediting mechanism and summarizes its features and shortcomings , at last provides insights into how to improve it ’ s conditional crediting mechanism , thus strengthening imf status and capability in the international sphere . imf conditionality means the imf ’ s assistance with stabilization program as a precondition 本文的研究目的在于通過對imf條件性貸款機(jī)制歷史沿革及現(xiàn)狀的分析,找出現(xiàn)行的貸款機(jī)制的特點及存在的不足,據(jù)此有針對性地提出完善對策,從而發(fā)揮其贊成者所闡述的作用,以提高國際社會及一國內(nèi)部對金融危機(jī)的預(yù)防與應(yīng)對能力。