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国有企业改制是建立社会主义市场经济体制,发展社会生产力的客观需要,是深化企业产权制度改革,加快建立现代企业制度的重要步骤,它对于搞活、搞好国有企业具有重要意义。但由于国有企业的大部分资产是靠银行贷款积累形成的。企业改制也必然涉及到银行债权债务关系的调整和转移,甚至会出现债务悬空。作为农业政策性银行,更要阻止粮食企业在改制过程中采取整体出售、买断工龄、带粮分流等不规范做法,以防逃废、悬空银行贷款债务和直接或变相挤占挪用政策性粮油贷款,造成国家信贷资金流失。因此,对金融机构来说,一方面要防范企业改制过程中可能出现的金融风险;另一方面要认识到企业改制也是化解原有金融风险,提高贷款质量的良好机遇。永安市代理行成功收回永安市饲料工业公司390万元贷款,就是一个启示。
The restructuring of state-owned enterprises is an objective need to establish a socialist market economic system and develop social productive forces. It is an important step toward deepening the reform of the enterprise property right system and accelerating the establishment of a modern enterprise system. It is of great significance for invigorating and improving state-owned enterprises. However, most of the state-owned assets are formed by the accumulation of bank loans. The restructuring of enterprises must also involve the adjustment and transfer of the bank’s debt and debt relations, and even the debt may become vacant. As agricultural policy banks, we must also prevent grain companies from taking the non-standard measures such as selling off whole assets, buying off seniority and diversion of grain in the restructuring process so as to prevent evasion and vacancies in bank loans and direct or disguised diversion of policy-oriented grain and oil loans in disguise , Resulting in the loss of national credit funds. Therefore, for financial institutions, on the one hand, they should guard against the financial risks that may arise during the restructuring of enterprises; on the other hand, they should recognize that enterprise restructuring is also a good opportunity to resolve the existing financial risks and improve the quality of loans. Yong’an City, the agency successfully recovered Yongan Feed Industry Corporation 3.9 million loan is an inspiration.