目前，在经济市场化、企业制度现代化和银行商业化的实施过程中，银企关系悄悄地发生着变化。资金由完全为银行所控制的卖方市场正在逐渐向企业也有一定主动权的买方市场转变，并且这种转变越来越明显。这一时期的一个重要特征是：企业在资金占有量和调动资金的潜力上出现... At present, the relationship between banks and enterprises has quietly changed during the process of economic marketization, the modernization of the enterprise system and the commercialization of banks. The transfer of funds from the seller’s market, which is entirely controlled by the bank, is gradually shifting to the buyer’s market, where the firm also has a certain initiative, and this shift is becoming more pronounced. An important feature of this period is the emergence of businesses in terms of capital stock and the potential to mobilize capital ...