一、基层供销实行“社有民营”改革,银行贷款的债权债务关系发生了新的变化,从而引发出新的问题。 目前县以下基层供销社(含部分县属公司)的经营改革,基本是按照“社有民营”模式进行的。所谓“社有”,主要是指保留的固定资产仍归供销社所有(房屋、门店一般采取出租及行政费用等);“民营”主要指下放商品给职工分散经营。下放商品类似一次性拍卖,即由职工按商品进价的70—80％选购适销 First, the grass-roots supply and marketing implementation of “social private” reform, bank loans, debt and debt relations have undergone a new change, which led to a new issue. At present, the management reform of the grass-roots supply and marketing cooperatives (including some county-owned companies) under the county is basically carried out in accordance with the mode of “social-owned and private-owned enterprises.” The so-called “community” mainly refers to the retained fixed assets are still owned by the supply and marketing cooperatives (housing, stores generally take the rental and administrative costs, etc.); “private” mainly refers to the decentralization of goods to employees dispersed. Decentralized goods similar to the one-time auction, that is, 70-80% of the purchase price of goods by the workers to buy marketable