“封闭贷款”是商业银行发放给国有亏损企业,支持其有市场、有效益、货款回收有保证产品的专项贷款。商业银行从借款企业的选择,产品项目的确定,到贷款的发放、监督使用、贷款回收,力求封闭运行。企业在使用“封闭贷款”时不但要积极配合银行监管,更要努力发挥封闭贷款的效能,从一个产品一个产品扭亏过度到企业整体扭亏,从而使企业逐步步入良性循环的轨道。中信重型机械公司的前身是洛阳矿山 “Closed Loans ” is a special loan issued by state-owned commercial banks to state-owned loss-making enterprises to support their guaranteed marketable products with efficient returns and payment collection. Commercial banks from the choice of borrowing enterprises, product projects to determine the loan issuance, supervision and use of loan recovery, and strive to close operation. When using “closed loans,” enterprises should not only actively cooperate with bank supervision, but also make efforts to exert the effectiveness of closed loans. From turning over losses of one product to turning losses of enterprises as a whole, enterprises gradually step into the path of virtuous circle. CITIC Heavy Machinery Company, formerly Luoyang Mine