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中国人民银行制订并颁发的《银行结算办法》,自今年4月1日起实行,其突出的特征是取消了过去实行多年的托收承付结算办法。这项改革对发展商品经济,完善结算制度,促进资金管理,加强经济核算,无疑将起到积极的促进作用。托收承付结算办法,在产品经济条件下,起过不可泯灭的作用,但在当前商品经济条件下,却日益暴露出它的缺点。主要表现在产品销售方不能及时收回贷款,给银行的信贷工作增加了负担;给企业单位留下严重的后遗症,产生纠缠不清的多角债,给企业的资金管理工作造成极大的困难。如何解决这个后遗
The “Bank Settlement Measures” formulated and issued by the People’s Bank of China has been implemented since April 1 this year. Its outstanding feature is the cancellation of the collection and payment and settlement methods that have been implemented for many years in the past. This reform will undoubtedly play a positive role in promoting the development of the commodity economy, improving the settlement system, promoting capital management, and strengthening economic accounting. Under the conditions of product economy, collection and payment settlement methods have played an indispensable role, but under the current conditions of commodity economy, they have increasingly exposed its shortcomings. The main reason is that the seller of products cannot collect loans in time, which increases the burden on the bank’s credit work; leaving serious complications for enterprises and creating tangled multi-cornered debts, which creates great difficulties for the company’s fund management. How to solve this aftertaste