企业产权制度及其结构状况之所以会对银行信用活动产生重大影响,直接关系到风险度的大小,是因为:其一,产权的制度安排或所有权结构决定了金融制度的框架配置和效率状况。如高度集中下的企业产权的国家管制,就决定了银行体系必然是大一统的国家银行体系,从而企业的低效运行决定了 The reason why enterprise ownership system and its structural condition have a significant impact on bank credit activities is directly related to the degree of risk because: First, the institutional arrangement or ownership structure of property rights determines the framework configuration and efficiency of the financial system. For example, the state control of property rights under a high degree of concentration determines that the banking system must be a unified national banking system, so that the inefficient operation of a company determines