国有企业的债务负担和商业银行的不良债权,是困扰我国国民经济发展的一条沉重的锁链。目前,商业银行呆滞贷款的比例,最保守的估计有10％,也有人说达到20％甚至更高。如果以15％计算,约为6000亿元。确是一个令人震惊的数字。 银企债务问题有着深厚的历史渊源。在过去高度集中的计划经济体制下,企业折旧率很低,缺乏更新改造资金;企业办社会,负担过重;政府干预经营决策,经济效益低下,只好 The debt burden of state-owned enterprises and bad creditor’s rights of commercial banks are a heavy chain that has plagued China’s national economic development. At present, the ratio of sluggish loans for commercial banks is estimated to be 10%, and some say it is 20% or even higher. If it is calculated at 15%, it is about 600 billion yuan. It is indeed an alarming figure. The bank-enterprise debt problem has a deep historical origin. In the past, a highly centralized planned economic system, the depreciation rate of enterprises was very low, and there was a lack of funds for upgrading and reforming; enterprises were socially responsible and overburdened; governments interfered in business decisions and had low economic returns.